| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.25% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $540 | — | $540 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $216 | $216 | 4.00% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $517 | — | $517 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $207 | $207 | 4.01% |
| ACRISURE LLC3 | 777 TERRACE AVE HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF CALIFORNIA | $247 | — | $247 | 10.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF CALIFORNIA | — | $99 | $99 | 4.01% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $79 | — | $79 | 9.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $32 | $32 | 4.05% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $56 | — | $56 | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $22 | $22 | 3.94% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07064 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $49 | — | $49 | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | — | $20 | $20 | 4.09% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF COLORADO | $42 | — | $42 | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF COLORADO | — | $17 | $17 | 4.06% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $40 | — | $40 | 10.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $16 | $16 | 4.04% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $37 | — | $37 | 9.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $15 | $15 | 4.03% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $37 | — | $37 | 9.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $15 | $15 | 4.03% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $35 | — | $35 | 10.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $14 | $14 | 4.01% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF OHIO, INC. | $30 | — | $30 | 9.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $12 | $12 | 3.96% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07694 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $2 | — | $2 | 8.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $1 | $1 | 4.35% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | $19K | $73K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE (NJ) | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR FEES | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $22K |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $0 |
| Dental(14 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $106K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.