| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 902 EAST COUNTY LINE RD LAKEWOOD, NJ 08701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $99K | $99K | 4.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $1K | $49K | 2.05% |
| STERLING INSURANCE CONCEPTS3 | 902 E COUNTY LLINE RD STE 202 LAKEWOOD, NJ 08701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 0.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY CENTERSTONE INS & | FIN SER 50 MAIN ST STE 320 WHITE PLAINS, NY 106061901 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.59% |
| FOUNDATION RISK PARTNERS CORP3 | 902 E COUNTY LINE RD LAKEWOOD, NJ 087012096 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC DBA | DBA CRC BENEFITS PO BOX 664173 DALLAS, TX 752664173 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 4.00% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE CONCEPTS INC | 902 E COUNTY LINE RD STE 201 LAKEWOOD, NJ 087012096 | AMERITAS LIFE INSURANCE CORP | $658 | — | $658 | 2.07% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | DBA STERLING INSURANCE CONCEPTS 902 E COUNTY LINE RD STE 201 LAKEWOOD, NJ 087012096 | AMERITAS LIFE INSURANCE CORP | $612 | — | $612 | 1.92% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | LOCKBOX 733464-EQUITABLE FLIC 14800 FRYE RD 2ND FLOOR FORT WORTH, TX 76155 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS - BENEFITMALL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752510004 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 8.09% |
| STERLING INSURANCE CONCEPTS3 | 902 E COUNTY LINE RD LAKEWOOD, NJ 087012096 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $677 | — | $677 | 3.15% |
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 | 376 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 645 | $194K |
| Vision | AMERITAS LIFE INSURANCE CORP | 277 | $32K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 376 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.