| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TECHNOLOGY INSURANCE ASSOCIATES LLC3 Filed as: TECHNOLOGY INSURANCE ASSOCIATES,LLC | 225 GORDONS CORNER ROAD MANALAPAN, NJ 077263356 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $538 | $2K | 6.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | AND FINANCIAL SERVICES 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 070391043 | PRINCIPAL LIFE INSURANCE COMPANY | $839 | — | $839 | 2.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | AND FINANCIAL SERVICES 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $834 | — | $834 | 2.38% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $35K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $35K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $35K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $35K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.