| 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 | $36K | — | $36K | 1.94% |
| HOWARD F COHEN3 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 1.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 1.06% |
| RONALD H CARR JR3 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.83% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $840 | $840 | 5.00% |
| RONALD H CARR JR3 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 05454 | UNITEDHEALTHCARE INSURANCE COMPANY | $797 | — | $797 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RONALD H CARR JR | Insurance agents and brokers Service code 22 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 070041550 | $36K |
| HOWARD F COHEN | Insurance agents and brokers Service code 22 | 30 TWO BRIDGES RD STE 320 FAIRFIELD, NJ 070041550 | $24K |
| CENTERSTONE INSURANCE NEW JERSEY EIN 95-4018229 | Insurance agents and brokers Service code 22 | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTON, NJ 070391022 | $20K |
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 | 180 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 110 | $43K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 121 | $8K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 180 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.