| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD H CARR JR3 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 2.43% |
| HOWARD F COHEN3 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 1.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $23K | $23K | 1.18% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 19.82% |
| RONALD H CARR JR3 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 05454 | UNITEDHEALTHCARE INSURANCE COMPANY | $720 | — | $720 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RONALD H CARR JR | Insurance agents and brokers Service code 22 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 070041550 | $47K |
| HOWARD F COHEN | Insurance agents and brokers Service code 22 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 070041550 | $32K |
| CENTERSTONE INSURANCE NEW JERSEY EIN 95-4018229 | Insurance agents and brokers Service code 22 | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTON, NJ 070391022 | $23K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $2.0M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $17K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.