| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. | DBA BENEFIT M 2 12404 PARK CENTRAL DR - SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $49K | — | $49K | 2.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.84% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INS CONCEPTS INC | 902 E COUNTY LINE ROAD LAKEWOOD, NJ 08701 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $531 | $2K | 15.00% |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 128 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 698 | $165K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 698 | $165K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $11K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.