| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL J. WELLS3 | 148 BIRCH STREET DOVER, NJ 07801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.71% |
| PSI CONSULTANTS3 Filed as: PSI CONSULTANTS, LLC | 65 HARRISTOWN ROAD STE 103 GLEN ROCK, NJ 07452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.71% |
| PRIVATE CLIENT INSURANCE SERVICES3 | 103 EISENHOWER PARKWAY SUITE 308 ROSELAND, NJ 07068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | 12404 PARK CENTRAL DR, #400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 8.25% |
| PRIVATE CLIENT INSURANCE SERVICES3 Filed as: PRIVATE CLIENT INSURANCE SERVICE | 103 EISENHOWER PARKWAY SUITE 308 ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 6.00% |
| MICHAEL J. WELLS3 | 148 BIRCH STREET DOVER, NJ 07801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $763 | — | $763 | 2.68% |
| PSI CONSULTANTS3 | 65 HARRISTOWN RD STE 103 GLEN ROCK, NJ 07452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $763 | — | $763 | 2.68% |
| PRIVATE CLIENT INSURANCE SERVICES3 | 103 EISENHOWER PARKWAY SUITE 308 ROSELAND, NE 07068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $755 | — | $755 | 2.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FNCL SVCS LLC | 12404 PARK CENTRAL DR, #400S DALLAS, TX 47114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $471 | $471 | 1.65% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $275K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 320 | $552K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.