| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 4.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $289 | — | $289 | 0.04% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 1540 CORNERSTONE BLVD DAYTONA BEACH, FL 32117 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $123 | $123 | 0.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. DBA BMLL | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 5.09% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.53% |
| 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 | $141 | — | $141 | 0.34% |
| 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 | $128 | — | $128 | 0.31% |
| STEPHEN A GEORGES3 | 34 WESTON AVE CHATHAM, NJ 07928 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.06% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $511 | $7K | 16.25% |
| 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 | $2K | — | $2K | 5.00% |
| CORPORATE SYNERGIES GROUP LLC3 | SUITE 4N02 ONE HUNTINGTON QUADRANGLE MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $477 | $6K | 16.25% |
| 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 | $2K | — | $2K | 5.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.30% |
| 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 | $660 | — | $660 | 1.76% |
| STEPHEN A GEORGES3 | 34 WESTON AVE CHATHAM, NC 07928 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $257 | — | $257 | 0.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $282 | — | $282 | 4.94% |
| EMPLOYEE FAMILY PROTECTION INC3 | MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $30 | — | $30 | 4.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 12404 PARK CENTRAL DR STE #400 DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $7 | — | $7 | 0.95% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 506 | $731K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 129 | $69K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 506 | $731K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $44K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 237 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $41K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.