| 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. | $50K | — | $50K | 2.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752510004 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 6.13% |
| STERLING INSURANCE CONCEPTS3 | 902 E COUNTY LINE RD LAKEWOOD, NJ 087012096 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.74% |
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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 129 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 804 | $244K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 804 | $244K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 804 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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.