| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $65K | — | $65K | 14.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIANCIAL SVCS | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $22K | $22K | 4.89% |
| BENEFITPLAN MANAGER3 | 100 VALLEY ROAD SUITE 202 MOUNT ARLINGTON, NJ 07856 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $13K | $13K | 2.93% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | — | $37K | 14.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIANCIAL SVCS | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 4.89% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | — | $27K | 14.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 4.89% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 9.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 4.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.70% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 19.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.89% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.89% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET SUITE 2 RED BANK, NJ 07701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $624 | — | $624 | 2.65% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.59% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.59% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 ATTN MICHAEL STEPNOWSKI GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.27% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET SUITE 2 RED BANK, NJ 07701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95 | — | $95 | 2.63% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 ATTN MICHAEL STEPNOWSKI GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 1.66% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.55% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.55% |
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 | 867 | 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) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,093 | $406K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 815 | $323K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 367 | $441K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 867 | $2.3M |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,093 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,093 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.