| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FIN SVCS GRP | P.O. BOX 1689 PEARL RIVER, NY 10965 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $68K | $68K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 0.82% |
| THE D B L CENTER LTD3 Filed as: THE D.B.L CENTER, LTD | 155 PINELAWN RD STE 120 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $7K | $11K | 11.48% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $7K | $11K | 11.73% |
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $1.4M |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.