| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA SVCS | BENEFITTMALL.COM 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 2.33% |
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BENEFITS CONSULTING SVCS | 122 PARISH DRIVE WAYNE, NJ 07470 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $14 | $3K | 5.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $20 | $3K | 5.02% |
| ASSUREDPARTNERS3 Filed as: EMPLOYEE BENEIFT CONSULTING SVCS | 122 PARISH DRIVE WAYNE, NJ 07470 | EQUITABLE FINANCIAL LIFE INSURANCE | $3K | — | $3K | 13.69% |
| HORIZON INSURANCE COMPANY3 | — | EQUITABLE FINANCIAL LIFE INSURANCE | — | $1K | $1K | 5.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | BENEFITMALL DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE | — | $1K | $1K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $350 | — | $350 | 5.00% |
| EMPLOYEE BENEFITS LLC3 Filed as: EMPLOYEE BENEFITS CO | 122 PARISH DR WAYNE, NJ 07470 | UNITEDHEALTHCARE INSURANCE COMPANY | $350 | — | $350 | 5.00% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 127 | $656K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $7K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE | 123 | $24K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE | 123 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.