| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | ANTHEM BLUE CROSS | $60K | $0 | $60K | 3.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS | $0 | $26K | $26K | 1.39% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN ROAD, SUITE 1568 MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $20K | $0 | $20K | 1.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 22.93% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $7K | $768 | $8K | 10.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 5.64% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN ROAD, SUITE 1568 MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $1K | $0 | $1K | 5.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS | $0 | $904 | $904 | 3.40% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN ROAD, UNIT 1568 MELVILLE, NY 11747 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $509 | $0 | $509 | 4.77% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $445 | $0 | $445 | 4.17% |
| CHARLEEN A WRIGHT3 Filed as: CHARLEEN ANTOINETTE WRIGHT | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $318 | $0 | $318 | 2.98% |
| MJ INSURANCE3 Filed as: DAVID HALLETT AND VARIOUS AGENTS | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $197 | $3 | $200 | 2.73% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 130 PARSONS STREET BRIGHTON, MA 02135 | AFLAC | $156 | $0 | $156 | 2.13% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN ROAD, UNIT 1568 MELVILLE, NY 11747 | AFLAC | $125 | $0 | $125 | 1.71% |
| CHARLEEN WRIGHT3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $110 | $14 | $124 | 1.69% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 222 WARD STREET NEWTON, MA 02459 | AFLAC | $84 | $0 | $84 | 1.15% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $62 | $0 | $62 | 0.85% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI & ASSOCIATES, INC. | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $42 | $0 | $42 | 0.57% |
| CHARLEEN A WRIGHT3 Filed as: CHARLEEN A. WRIGHT | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $140 | $0 | $140 | 3.78% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $105 | $0 | $105 | 2.83% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS WAGNER AND OTHER AGENTS | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $76 | $0 | $76 | 2.05% |
| DANA E ERO3 Filed as: DANA E. ERO | 5 PINE WEST PLAZA, SUITE 503 ALBANY, NY 12205 | AFLAC | $42 | $0 | $42 | 1.13% |
| JOEL B KARAS3 Filed as: JOEL B. KARAS | 130 PARSONS STREET BRIGHTON, MA 02135 | AFLAC | $41 | $0 | $41 | 1.11% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 222 WARD STREET NEWTON, MA 02459 | AFLAC | $22 | $0 | $22 | 0.59% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J. MONTENEGRO | 5 ELYSE DRIVE NEW CITY, NY 10956 | AFLAC | $21 | $0 | $21 | 0.57% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 170 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 148 | $87K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 190 | $115K |
| Short-term disability(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 190 | $115K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $104K |
| Prescription drug | ANTHEM BLUE CROSS | 170 | $1.9M |
| Other(2 contracts) | AFLAC | 15 | $11K |
| 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."
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.