| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFITMALL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $24K | $6K | $29K | 5.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SRVS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 5.18% |
| CORPORATE SYNERGIES GROUP LLC3 | 780 W. GRANADA BOULEVARD ORMOND BEACH, FL 32174 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $843 | $5K | 18.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FNCL SVCS | 12404 PARK CENTRAL DR STE #400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 780 W. GRANADA BOULEVARD ORMOND BEACH, FL 32174 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $809 | $4K | 18.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 12404 PARK CENTRAL DR STE #400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $510 | — | $510 | 2.22% |
| WIB BROKERS INC.3 Filed as: WIB BROKERS INC | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 12404 PARK CENTRAL DR STE #400 DALLAS, TX 75251 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.27% |
| STEPHEN A GEORGES3 Filed as: STEPHEN A. GEORGES | 34 WESTON AVE CHATHAM, NJ 07928 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.08% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $789 | — | $789 | 3.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FNCL SVCS | 12404 PARK CENTRAL DR STE #400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $272 | — | $272 | 1.36% |
| STEPHEN A GEORGES3 | 34 WESTON AVE CHATHAM, NC 07928 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 0.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFITMALL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $374 | $81 | $455 | 5.61% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DR STE 200 CAMDEN, NJ 081031000 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 29.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $423 | — | $423 | 9.99% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $359 | — | $359 | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS&FIN | 1133 WESTCHESTER AVENUE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $180 | — | $180 | 5.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 1133 WESTCHESTER AVE #S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $168 | $168 | 4.68% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 57 | $529K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 86 | $46K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 57 | $4K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $29K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 86 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54 | $24K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 48 | $8K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.