| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TN 75251 | THE GUARDIAN LIFE INSURANCE COMPANY | $148K | — | $148K | 12.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NY 07039 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $67K | $67K | 7.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 50 MAIN ST STE 320 WHITE PLAINS, NY 10606 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $47K | $47K | 5.01% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48K | — | $48K | 24.75% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOEL MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 12.72% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $966 | — | $966 | 0.50% |
| ARTHUR T GRUTT JR3 Filed as: ARTHUR GRUTT | 875 AVENUE OF THE AMERICAS STE 801 NEW YORK, NY 10001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $387 | — | $387 | 0.20% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $358 | — | $358 | 0.19% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | — | $19K | 18.88% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOEL MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 9.70% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $688 | — | $688 | 0.67% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | FIRST UNUM LIFE INSURANCE COMPANY | $491 | — | $491 | 0.48% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | — | $3K | 10.05% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING DBA DKG INS | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 4.95% |
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 | 1,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,809 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 1,809 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 1,809 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 491 | $295K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,809 | $1.2M |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 1,230 | $939K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 1,809 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,809 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.