| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 354 EISENHOWER PARKWAY, SUITE 2850 LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC. | $67K | — | $67K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 56 PARK STREET MONTCLAIR, NJ 07042 | HORIZON HEALTHCARE SERVICES, INC. | $10K | — | $10K | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 50 BRAINTREE HILL OFFICE PARK SUITE 310 BRAINTREE, MA 02184 | AMERITAS LIFE INSURANCE CORPORATION | — | $147 | $147 | 0.89% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 127 | $1.6M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 127 | $1.6M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 193 | $17K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA | 111 | $0 |
| Short-term disability | AFLAC | 111 | $0 |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 127 | $1.6M |
| Other | HEALTH ADVOCATE, INC. | 111 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.