| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $59K | $17K | $76K | 4.51% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $19K | $5K | $24K | 4.51% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 4.70% |
| FOREST FINANCIAL GROUP INC Filed as: FOREST FINANCIAL INSURANCE AND FINA | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 3.86% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE & FINANC | STE 400S 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.19% |
| PICCIONE, EDWARD A | 729 LYNWOOD DR FESTERVILLE, PA 19053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $117 | $1K | 1.17% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R NELLIGAN & ASSOCIATES | STE 368 1933 STATE ROUTE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $781 | $781 | 0.81% |
| FOREST FINANCIAL GROUP INC Filed as: FOREST FIN INS AND FIN SVCS, INC | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | VISION SERVICE PLAN | $928 | — | $928 | 6.19% |
| CENTERSTONE INSURANCE AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, NY 75251 | VISION SERVICE PLAN | $751 | — | $751 | 5.01% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | FLAGSHIP HEALTH SYSTEMS | $84 | — | $84 | 2.68% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 120 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 114 | $120K |
| Vision | VISION SERVICE PLAN | 122 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $96K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $96K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 122 | $542K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.