| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS, LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 2929 ALLEN PARKWAY SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE AND DISABILITY INS CO | $7K | $0 | $7K | 11.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTER DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM LIFE AND DISABILITY INS CO | $3K | $0 | $3K | 5.00% |
| ROBERT E. BRUNSON3 Filed as: ROBERT BRUNSON | 460 WEST 147TH STREET APARTMENT 66 NEW YORK, NY 10031 | AFLAC | $658 | $45 | $703 | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AFLAC | $451 | $0 | $451 | 3.35% |
| SHARON MARTIN-TOUSSAINT3 | 231 PRIMROSE AVENUE MOUNT VERNON, NY 10552 | AFLAC | $228 | $34 | $262 | 1.95% |
| DOUGLAS MEIER3 | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $139 | $0 | $139 | 1.03% |
| MJ INSURANCE3 Filed as: GROE, INC. & VARIOUS AGENTS | 108 JACKSON STREET APARTMENT 4A HOBOKEN, NJ 07030 | AFLAC | $125 | $13 | $138 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350, SUITE 306 CONSHOHOCKEN, PA 19428 | AFLAC | $134 | $0 | $134 | 1.00% |
| IVAN M SERVAIS3 Filed as: IVAN SERVAIS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $84 | $0 | $84 | 0.62% |
No Schedule C service providers reported on this filing.
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $86K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $86K |
| Life insurance | ANTHEM LIFE AND DISABILITY INS CO | 190 | $63K |
| Short-term disability | AFLAC | 8 | $13K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INS CO | 190 | $63K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INS CO | 190 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.