| 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 | $68K | $11K | $79K | 14.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE (NJ) | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 4.96% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $936 | $17K | 10.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.31% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $1K | — | $1K | 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. | — | $420 | $420 | 4.00% |
| ACRISURE LLC3 | 777 TERRACE AVE HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF CALIFORNIA | $612 | — | $612 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF CALIFORNIA | — | $245 | $245 | 4.00% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $533 | — | $533 | 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. | — | $213 | $213 | 4.00% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $239 | — | $239 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $96 | $96 | 4.02% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $105 | — | $105 | 9.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $42 | $42 | 3.99% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $105 | — | $105 | 9.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $42 | $42 | 3.99% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07064 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $97 | — | $97 | 10.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | — | $39 | $39 | 4.04% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $53 | — | $53 | 10.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $21 | $21 | 3.98% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $53 | — | $53 | 10.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $21 | $21 | 3.98% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $53 | — | $53 | 10.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DR STE 400 DALLAS, TN 75251 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $21 | $21 | 3.98% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF OHIO, INC. | $44 | — | $44 | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $18 | $18 | 4.10% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $44 | — | $44 | 10.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $18 | $18 | 4.10% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF COLORADO | $35 | — | $35 | 9.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF COLORADO | — | $14 | $14 | 3.99% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $33 | — | $33 | 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. | — | $13 | $13 | 3.95% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $24 | — | $24 | 9.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $10 | $10 | 4.15% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07694 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $7 | — | $7 | 10.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $3 | $3 | 4.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR FEES | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation; Claims processing Service code 12 | — | $38K |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 295 | $548K |
| Dental(17 contracts, 17 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $193K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 325 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.