| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $23K | $7K | $30K | 3.77% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $3K | $15K | 1.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $2K | $9K | 3.79% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $795 | $4K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 5.38% |
| MARK L BETLOW3 | THE AGIS GROUP, LLC MORRIS PLAINS, NJ 07950 | AETNA LIFE INSURANCE CO. | $275 | — | $275 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $941 | $41 | $982 | 4.24% |
| MICO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $639 | $218 | $857 | 3.70% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | — | $519 | 2.24% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.42% |
| CLARICE R MIMS3 | 133 HILLCREST DRIVE MARLBORO, NY 12542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.23% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $3 | $48 | 0.21% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE APARTMENT 7C YONKERS, NY 10701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.05% |
| ZEBEST INC3 | 2055 RESTON CIRCLE ROYAL PALM BEACH, FL 33411 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| ELIZABETH HERNANDEZ3 Filed as: ELIZABETH HERNANDEZZ | 245 WEST 72ND STREET APARTMENT 6C NEW YORK, NC 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $641 | — | $641 | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $393 | $393 | 1.96% |
| MARK L BETLOW3 Filed as: MARK BETLOW | 67 FLETCHER HALL KIAWAH ISLAND, SC 29455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $299 | — | $299 | 1.49% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | $70 | $213 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVENUE 7TH FLOOR NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$3K | — | -$3K | -14.75% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $368 | — | $368 | 3.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | THE PAUL REVERE LIFE INSURANCE COMPANY | $318 | — | $318 | 2.96% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | $1 | $49 | 0.46% |
| MARK L BETLOW3 | 442 SPEEDWELL AVENUE 2ND FLOOR MORRIS PLAINS, NJ 07950 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.22% |
| CLARICE R MIMS3 Filed as: CLARICE R IMS | 133 HILLCREST DRIVE MARLBORO, NY 12542 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| ELIZABETH HERNANDEZ3 | 245 WEST 72ND STREET APARTMENT 6C NEW YORK, NY 10023 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| EVELYN GARCIA3 | 421 EAST 82ND STREET BASEMENT A NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVENUE 7TH FLOOR NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $892 | — | $892 | 10.79% |
| MARK L BETLOW3 Filed as: MARK BETLOW | 67 FLETCHER HALL KIAWAH ISLAND, SC 29455 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $267 | — | $267 | 3.23% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $266 | — | $266 | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19426 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $109 | $109 | 1.32% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61 | $29 | $90 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 07663 | HARTFORD LIFE AND ACCIDENT | $280 | — | $280 | 6.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 1133 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | HARTFORD LIFE AND ACCIDENT | — | $140 | $140 | 3.39% |
| MARK L BETLOW3 | 442 SPEEDWELL AVENUE MORRIS PLAINS, NC 07950 | HARTFORD LIFE AND ACCIDENT | $133 | — | $133 | 3.22% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | — | $66 | $66 | 1.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $38 | $38 | 0.92% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 3.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVENUE SADDLE BROOK, NC 07663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 3.14% |
| ELIZABETH HERNANDEZ3 | 245 WEST 72ND STREET APARTMENT 6C NEW YORK, NY 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.15% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 79 | $790K |
| Dental | AETNA LIFE INSURANCE CO. | 132 | $61K |
| Vision | AETNA LIFE INSURANCE CO. | 132 | $61K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $24K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 19 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 39 | $8K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 79 | $245K |
| Other(6 contracts, 5 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.