| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STREAMLINE INSURANCE CONCEPTS3 Filed as: STREAMLINE INS CONCPTS & VRS AGENTS | 7 RANDOLPH ROAD HOWELL, NJ 07731 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $7K | $11K | 13.74% |
| DANA SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $755 | $6K | 7.24% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 6.99% |
| DANIEL GOLDSTEIN3 | 1119 SOMERSET AVENUE LAKEWOOD, NJ 08701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 4.66% |
| AARON ROSENFELD3 | 140 BROADWAY NEW YORK, NY 10005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.69% |
| WIILIAM T MILLER3 | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $386 | $2K | 2.29% |
| BRYLIN EMPLOYEE BENEFITS LLC3 Filed as: BRYLIN EMPLOYEE BENEFITS, LLC | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $154 | $2K | 2.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPLOITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.84% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | METROPLOITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERITAS LIFE INSURANCE CORPORATION | $632 | $0 | $632 | 3.00% |
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC | 140 BROADWAY, 41ST FLOOR NEW YORK, NY 10005 | AMERITAS LIFE INSURANCE CORPORATION | $263 | $0 | $263 | 1.25% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPLOITAN LIFE INSURANCE COMPANY | 453 | $91K |
| Vision(2 contracts, 2 carriers) | METROPLOITAN LIFE INSURANCE COMPANY | 453 | $91K |
| Life insurance | METROPLOITAN LIFE INSURANCE COMPANY | 453 | $70K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 453 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.