| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 75251 | NIPPON MEDICAL | $53K | — | $53K | 4.85% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | NIPPON MEDICAL | $23K | — | $23K | 2.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 21.95% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 1212 AVENUE OF THE AMERICAS 9TH FL. STE 900 NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $255 | $4K | 8.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.97% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $682 | — | $682 | 1.65% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM LOOP DRIVE SUITE 200 CAMDEN, NJ 08101 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.27% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 1212 AVENUE OF THE AMERICAS 9TH FL. STE 900 NEW YORK, NY 10036 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $545 | — | $545 | 8.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | — | $332 | $332 | 5.01% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $118 | — | $118 | 1.78% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | EYEMED | $567 | — | $567 | 10.83% |
| RISK STRATEGIES COMPANY3 Filed as: FOUNSATION RISK PARTNERS CORP. | 1212 AVENUE OF THE AMERICAS 9TH FL, STE 900 NEW YORK, NY 10036 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $35 | — | $35 | 8.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC, LLC. | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $21 | $21 | 4.99% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $7 | — | $7 | 1.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGEWORKS NONE | Contract Administrator; Claims processing Service code 12 | 1100 PARK PLACE 4TH FL SAN MATEO, CA 94403 | $5K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 85 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON MEDICAL | 74 | $1.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 56 | $48K |
| Vision | EYEMED | 65 | $5K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $50K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $50K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 78 | $23K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.