| 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 | $63K | $17K | $80K | 10.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE (NJ) | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 4.56% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 3.00% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 7.48% |
| 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 | 2.51% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.44% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $692 | — | $692 | 7.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $277 | $277 | 3.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $232 | — | $232 | 2.51% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $630 | — | $630 | 7.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $252 | $252 | 2.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $211 | — | $211 | 2.51% |
| ACRISURE LLC3 | 777 TERRACE AVE HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF CALIFORNIA | $406 | — | $406 | 7.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF CALIFORNIA | — | $162 | $162 | 2.99% |
| MICHAEL ROSENBERG3 | GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF CALIFORNIA | $136 | — | $136 | 2.51% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07694 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $134 | — | $134 | 7.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $54 | $54 | 3.02% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $45 | — | $45 | 2.51% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $120 | — | $120 | 7.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $48 | $48 | 3.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $40 | — | $40 | 2.51% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $101 | — | $101 | 7.46% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $41 | $41 | 3.03% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $34 | — | $34 | 2.51% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $98 | — | $98 | 7.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $39 | $39 | 2.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $33 | — | $33 | 2.53% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $96 | — | $96 | 7.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DR STE 400 DALLAS, TN 75251 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $38 | $38 | 2.96% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $32 | — | $32 | 2.50% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07064 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $94 | — | $94 | 7.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | — | $38 | $38 | 3.02% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $32 | — | $32 | 2.54% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $82 | — | $82 | 7.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $33 | $33 | 3.03% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $27 | — | $27 | 2.48% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF OHIO, INC. | $51 | — | $51 | 7.53% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $20 | $20 | 2.95% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF OHIO, INC. | $17 | — | $17 | 2.51% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF COLORADO | $43 | — | $43 | 7.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF COLORADO | — | $17 | $17 | 2.93% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF COLORADO | $15 | — | $15 | 2.59% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $43 | — | $43 | 7.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $17 | $17 | 2.93% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $15 | — | $15 | 2.59% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $36 | — | $36 | 7.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $14 | $14 | 2.89% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $12 | — | $12 | 2.48% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $24 | — | $24 | 7.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $9 | $9 | 2.87% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $8 | — | $8 | 2.55% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $22 | — | $22 | 7.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL STE 400S DALLAS, TX 75251 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $9 | $9 | 3.10% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $7 | — | $7 | 2.41% |
| ACRISURE LLC3 | 777 TERRACE AVE STE 309 HASBROUCK HEIGHTS, NJ 07604 | CIGNA DENTAL HEALTH OF DELAWARE | $2 | — | $2 | 8.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF DELAWARE | — | $1 | $1 | 4.17% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF DELAWARE | $1 | — | $1 | 4.17% |
| 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 | — | $62K |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 382 | $750K |
| Dental(18 contracts, 18 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 371 | $242K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 371 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.