| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C HUDSON AND ASSOCIATES3 Filed as: HUDSON WEALTH MANAGEMENT / RED BANK | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 1.00% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | $5K | $63K | 15.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $19K | $19K | 4.85% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $5K | $40K | 16.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIANCIAL SVCS | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 4.84% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $3K | $23K | 16.51% |
| 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 | — | $7K | $7K | 4.84% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.55% |
| 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 | — | $5K | $5K | 4.87% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.02% |
| 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 | — | $5K | $5K | 5.00% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 21.44% |
| 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 | — | $4K | $4K | 4.85% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET FLOOR 2 RED BANK, NJ 07701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $1K | $13K | 23.75% |
| 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 | — | $3K | $3K | 4.84% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET SUITE 2 RED BANK, NJ 07701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.74% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.63% |
| BLOCK, CHARLES, D3 | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.63% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 ATTN MICHAEL STEPNOWSKI GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.45% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| HUDSON WEALTH MANAGEMENT LLC3 | 30 BROAD STREET SUITE 2 RED BANK, NJ 07701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 3.62% |
| VAN EPPS, JAMES, H3 | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84 | — | $84 | 1.37% |
| BLOCK, CHARLES, D3 | 648 VILLAGE PARK DRIVE UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84 | — | $84 | 1.37% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 ATTN MICHAEL STEPNOWSKI GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 1.09% |
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 | 899 | 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) | 899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 950 | $75K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,103 | $395K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 852 | $283K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 424 | $398K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,734 | $2.7M |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,103 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,734 | — |
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."
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.