| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $93K | $20K | $113K | 5.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | $0 | $6K | 6.09% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK, SUITE 200899 BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $847 | $5K | $6K | 7.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.21% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 700 EAST GATE DRIVE, SUITE 115 MOUNT LAUREL, NJ 08054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.72% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.45% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $911 | $0 | $911 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.62% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 127 | $2.0M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 208 | $101K |
| Vision | VISION SERVICE PLAN | 130 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $85K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $85K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 127 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.