| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING INSURANCE CONCEPTS3 | 902 E COUNTY LINE ROAD LAKEWOOD, NJ 087012034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.39% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INS CONCEPTS INC. | 902 E COUNTY LINE ROAD LAKEWOOD, NJ 087012034 | METLIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.66% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING INC. DBA DKG IN | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 752511800 | METLIFE INSURANCE COMPANY | $7K | $20 | $7K | 5.35% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE EQUITABLE | 902 E COUNTY LINE ROAD LAKEWOOD, NJ 08701 | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | $5K | $0 | $5K | 10.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE-BENEFITMA | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 752511800 | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | $0 | $2K | $2K | 5.00% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST, STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $683 | $2K | 7.59% |
| SAMUEL STEINFELD3 | 223 AUTUMN ROAD LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.58% |
| PAMELA SUSAN LEVY3 | 1-50 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $836 | $169 | $1K | 3.68% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INS CONCEPTS INC. | 902 E COUNTY LINE ROAD, STE 202 LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $866 | $0 | $866 | 3.17% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.26% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.23% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DR ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.07% |
| YITZCHAK GOTTESMAN3 | 9 MAPLEWOOD TERRACE LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.07% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.07% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.05% |
| C & L REED ASSOCIATES LLC3 Filed as: C&L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.05% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC. | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.05% |
| PAUL STANLEY JR3 Filed as: PAUL STANLEY, JR. | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P. DOUGHERTY, INC. | 4550 PRESTWICK DRIVE READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDEN CENTRE BLVD ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM, INC. | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CHRISTINE L COURTNEY3 Filed as: CHRISTINE L. COURTNEY | 24392 OAKWOOD PARK RD ST. MICHAELS, MD 21663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $61K |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $907K |
| Dental | METLIFE INSURANCE COMPANY | 395 | $124K |
| Vision | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 248 | $50K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 248 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.