| 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. | $93K | $23K | $116K | 4.24% |
| 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. | $21K | $5K | $26K | 4.24% |
| FOREST FINANCIAL INSURANCE AND | STE 100 4851 LBJ FWY DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 13.64% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE & FINANC | STE 400S 1224 PARK CENTRAL DRIVE DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 4.30% |
| 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 | $895 | $895 | 0.70% |
| BANKERS COOPERATIVE GROUP, INC. Filed as: BANKERS COOPERATIVE GROUP | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $390 | $0 | $390 | 0.31% |
| 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. | $5K | — | $5K | 4.20% |
| 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 | 3.61% |
| FOREST FINANCIAL GROUP INC Filed as: FOREST FIN INS AND FIN SVCS, INC | 354 EISENHOWER PARKWAY STE 2800 LIVINGSTON, NJ 07039 | VISION SERVICE PLAN | $899 | — | $899 | 5.24% |
| CENTERSTONE INSURANCE AND FINANCIAL | 12404 PARK CENTRAL DRIVE STE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $779 | — | $779 | 4.54% |
| BANKERS COOPERATIVE GROUP, INC. Filed as: BANKERS COOPERATIVE GROUP | 411 NORTH AVE E CRANFORD, NJ 07016 | VISION SERVICE PLAN | $140 | — | $140 | 0.82% |
| FOREST FINANCIAL GROUP INC Filed as: FOREST FINANCIAL INSURANCE AND FINA | 354 EISENHOWER PARKWAY SUITE 2800 LIVINGSTON, NJ 07039 | FLAGSHIP HEALTH SYSTEMS | $129 | — | $129 | 2.67% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INS. & FINANCIAL SRVS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | FLAGSHIP HEALTH SYSTEMS | $129 | — | $129 | 2.67% |
| BANKERS COOPERATIVE GROUP, INC. Filed as: BANKERS COOPERATIVE GROUP | 411 NORTH AVENUE E CRANFORD, NJ 07016 | FLAGSHIP HEALTH SYSTEMS | $13 | — | $13 | 0.27% |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 114 | $2.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 110 | $123K |
| Vision | VISION SERVICE PLAN | 126 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $127K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $127K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 97 | $612K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.