| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP2 | 259 PROSPECT PLAINS ROAD CRANBURY, NJ 08512 | HORIZON | $408K | $12K | $420K | 25.59% |
| CENTERSTONE INSURANCE AND FINANCIAL2 Filed as: CENTERSTONE INS DBA BENEFIT M | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HORIZON | $15K | $4K | $20K | 1.19% |
| MARTIN INSURANCE GROUP2 | 259 PROSPECT PLAINS ROAD CRANBURY, NJ 08512 | HORIZON | $7K | $2K | $9K | 3.16% |
| CENTERSTONE INSURANCE AND FINANCIAL2 Filed as: CENTERSTONE INS DBA BENEFIT M | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HORIZON | $3K | $799 | $4K | 1.19% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH | $6K | $484 | $7K | 6.23% |
| LAWLEY BENEFITS GROUP LLC3 Filed as: LAWLEY | 361 DELAWARE AVENUE BUFFALO, NY 14202 | CIGNA HEALTH | $3K | $0 | $3K | 2.92% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD CRANBURY, NJ 08512 | CIGNA HEALTH | $0 | $3K | $3K | 2.88% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | UNITED HEALTCARE | $5K | $0 | $5K | 7.54% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD CRANBURY, NJ 08512 | UNITED HEALTCARE | $3K | $0 | $3K | 5.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON | 123 | $1.6M |
| Dental | CIGNA HEALTH | 120 | $105K |
| Life insurance | UNITED HEALTCARE | 146 | $61K |
| Prescription drug | HORIZON | 103 | $295K |
| Other | UNITED HEALTCARE | 146 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.