| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD F COHEN3 | 146 VILLANOVA DR PARAMUS, NJ 07652 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 2.02% |
| RONALD H CARR JR3 | 37 VALE RD WAYNE, NJ 07470 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 2.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER D/B/A | 4851 LBJ FREEWAY, STE 100 DALLAS, TX 75244 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 1.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SER 12404 | PARK CENTRAL DR, SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 0.84% |
| USI INSURANCE SERVICES LLC2 Filed as: USI INSURANCE SERVICES NATIONAL INC | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 14.13% |
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 | 300 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 300 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 185 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.