| 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. | $69K | $20K | $89K | 4.40% |
| 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 | $15K | $5K | $20K | 4.40% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. & FINANCIAL SRVS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 4.99% |
| 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. | $6K | — | $6K | 4.90% |
| FOREST FINANCIAL INSURANCE AND | STE 100 4851 LBJ FWY DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 21.20% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.00% |
| FOREST FINANCIAL GROUP INC Filed as: FOREST FIN INS AND FIN SVCS NC | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | VISION SERVICE PLAN | $949 | — | $949 | 6.06% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE AND F NCIAL | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $780 | — | $780 | 4.98% |
| FORES FINANCIAL INSURANCE AND FINA | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | FLAGSHIP HEALTH SYSTEMS | $139 | — | $139 | 2.81% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. & FINANCIAL SRVS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | FLAGSHIP HEALTH SYSTEMS | $139 | — | $139 | 2.81% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 126 | $2.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 118 | $122K |
| Vision | VISION SERVICE PLAN | 117 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $83K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 126 | $451K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.