| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING | 2600 KELLY ROAD WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE CO. | $153K | $0 | $153K | 14.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY CO. OF NY | — | $14K | $14K | 7.94% |
| SENTINEL FINANCIAL SOLUTIONS3 Filed as: SENTINEL FINANCIAL SOLUTIONS INC | 530 FIFTH AVENUE 11TH FLOOR NEW YORK, NY 10036 | LINCOLN LIFE & ANNUITY CO. OF NY | $3K | $0 | $3K | 1.71% |
| ROBERT M. ZINN3 | 23 REBECCA ROAD EAST HANOVER, NJ 07936 | LINCOLN LIFE & ANNUITY CO. OF NY | $1K | $0 | $1K | 0.73% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.12% |
| MOAT BUILDER INC3 | 530 FIFTH AVE, 11TH FLOOR NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE SUITE S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY CO. OF NY | — | $6K | $6K | 7.94% |
| SENTINEL FINANCIAL SOLUTIONS3 Filed as: SENTINEL FINANCIAL SOLUTIONS INC. | 530 FIFTH AVENUE 11TH FLOOR NEW YORK, NY 10036 | LINCOLN LIFE & ANNUITY CO. OF NY | $3K | $0 | $3K | 4.23% |
| ROBERT M. ZINN3 | 23 REBECCA ROAD EAST HANOVER, NJ 07936 | LINCOLN LIFE & ANNUITY CO. OF NY | $1K | $0 | $1K | 1.81% |
| SENTINEL FINANCIAL SOLUTIONS3 Filed as: SENTINEL FNCL SOLUTIONS INC | 530 FIFTH AVE 11TH FL NEW YORK, NY 10036 | LINCOLN LIFE & ANNUITY CO. OF NY | $1K | $0 | $1K | 1.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS | 1133 WESTCHESTER AVE #S-229 WHITE PLAINS, NY 10604 | LINCOLN LIFE & ANNUITY CO. OF NY | — | $1K | $1K | 1.80% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD #300 WARRINGTON, PA 18976 | LINCOLN LIFE & ANNUITY CO. OF NY | $954 | — | $954 | 1.50% |
| ROBERT M. ZINN3 Filed as: ROBERT M ZINN | 23 REBECCA RD EAST HANCVER, NJ 07936 | LINCOLN LIFE & ANNUITY CO. OF NY | $542 | — | $542 | 0.85% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AMERITAS | $4K | $0 | $4K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.67% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $14K |
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 | 845 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 845 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 845 | $1.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO. | 845 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY CO. OF NY | 544 | $358K |
| Long-term disability(2 contracts) | LINCOLN LIFE & ANNUITY CO. OF NY | 548 | $144K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE CO. | 845 | $1.1M |
| Other | LINCOLN LIFE & ANNUITY CO. OF NY | 521 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.