| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $38K | $8K | $46K | 3.91% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $17K | $4K | $20K | 1.71% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.26% |
| COURTNEY SPENCER CUYKENDALL3 | 222 RIDGEDALE AVENUE CEDAR KNOLLS, NJ 07927 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.98% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.69% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $78 | $3K | 10.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $371 | $371 | 1.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.77% |
| COURTNEY SPENCER CUYKENDALL3 | 222 RIDGEDALE AVENUE CEDAR KNOLLS, NJ 07927 | AETNA LIFE INSURANCE COMPANY | $836 | $0 | $836 | 4.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 17.99% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 108 | $1.2M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 94 | $82K |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 177 | $88K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $33K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $33K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 108 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.