| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFITMALL | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $67K | $20K | $87K | 4.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFITMALL | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $18K | $5K | $23K | 4.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY DBA NEW AG | PO BOX 749138 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 7.28% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $120 | $1K | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWEVER PKWY., SUITE 400 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY DBA NEW AG | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61 | $711 | $772 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 20 WATERVIEW BLVD SUITE 401 PARSIPPANY, NJ 07054 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS. | 354 EISENHOWER PKWY., STE. 2850 LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $508 | $508 | 4.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFITMALL | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY | 20 WATERVIEW BLVD SUITE 401 PARISPPANY, NJ 07054 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $169 | — | $169 | 3.03% |
| THELMA JEAN CITTA3 | PO BOX 4353 CHERRY HILL, NJ 08034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $93 | — | $93 | 1.67% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $655 | — | $655 | 14.90% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER RD. MOORESTOWN, NJ 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 1.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $681 | — | $681 | 16.60% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER RD. MOORESTOWN, NJ 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.44% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWEVER PKWY., SUITE 400 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $151 | — | $151 | 4.98% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11 | $139 | $150 | 4.95% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.22% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 134 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $122K |
| Vision | HORIZON INSURANCE COMPANY | 134 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $32K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 162 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $15K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 134 | $521K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 181 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.