| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDAN WALL | 22 S HOLMDEL RD STE 4 HOLMDEL, NJ 077332614 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 5.16% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.96% |
| BRENDAN WALL3 | 22 S HOLMDEL RD STE 4 HOLMDEL, NJ 077332614 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTON, NJ 070391022 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SERVICE | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $491 | $491 | 0.89% |
| THE JAMES B OSWALD COMPANY4 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD, SUITE 240 NAPLES, FL 34110 | HARTFORD LIFE AND ACCIDENT | $1K | $428 | $1K | 16.89% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $786K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $55K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $55K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 138 | $9K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 138 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 138 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.