| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. | DBA BENEFIT MALL 12404 PARK CENTRAL DRIVE - STE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | — | $7K | $7K | 1.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. | DBA BENEFIT MALL 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $2K | $2K | $4K | 9.76% |
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BENEFIT CONSULT SVCS | 122 PARISH DRIVE WAYNE, NJ 07470 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $673 | $4K | 17.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.38% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $72 | $72 | 0.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. | DBA BENEFIT MALL 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON INSURANCE COMPANY | $851 | — | $851 | 10.00% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 84 | $713K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 85 | $39K |
| Vision | HORIZON INSURANCE COMPANY | 70 | $9K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 110 | $22K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 110 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.