| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $81K | — | $81K | 5.86% |
| DANIEL P KEENAN3 Filed as: DANIEL KEENAN | 30 WASHINGTON AVE STE B-5 HADDONFIELD, NJ 080333341 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.65% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.62% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.68% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $1K | — | $1K | 2.05% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $606 | — | $606 | 1.13% |
| BRAD CLINTON3 | 41 WILSON AVE E RIVERDALE, NJ 07457 | AFLAC | $538 | — | $538 | 1.01% |
| RUSSELL W WALLIN3 | 4 MIDPARK DR BRICK, NJ 08724 | AFLAC | $525 | — | $525 | 0.98% |
| ZORN BENEFITS GROUP LLC3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $489 | — | $489 | 0.91% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $350 | — | $350 | 0.65% |
| TRAVIS M ALDERMAN3 | 39 RIVER RD FLANDERS, NJ 07386 | AFLAC | $277 | — | $277 | 0.52% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NJ 07055 | AFLAC | $271 | — | $271 | 0.51% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $251 | — | $251 | 0.47% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $237 | — | $237 | 0.44% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $192 | — | $192 | 0.36% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $115 | — | $115 | 0.22% |
| ROBERTO P DEVILLA3 | 6401 KENNEDY BLVD E APT B1 WEST NEW YORK, NJ 07093 | AFLAC | $99 | — | $99 | 0.19% |
| ARUNAS GEORGE STRASDAS3 | 11055 SW WINDING LAKES CIR PORT ST LUCIE, NJ 34987 | AFLAC | $79 | — | $79 | 0.15% |
| DARLENE ANITA SANDERS3 | 9680 MARSH WREN CT APT 301 LAKE WORTH, FL 33467 | AFLAC | $74 | — | $74 | 0.14% |
| SHERRY M SMITH3 | 4388 WAXWING CT BOYNTON BEACH, FL 33436 | AFLAC | $53 | — | $53 | 0.10% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $43 | — | $43 | 0.08% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $37 | — | $37 | 0.07% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $27 | — | $27 | 0.05% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $27 | — | $27 | 0.05% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN POND RD THOMPSON, GA 30824 | AFLAC | $22 | — | $22 | 0.04% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $21 | — | $21 | 0.04% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $15 | — | $15 | 0.03% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $11 | — | $11 | 0.02% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, PA 07470 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS R BAILEY3 | 142 MAPLE CT NW CHARLESTON, TN 37310 | AFLAC | $4 | — | $4 | 0.01% |
| YAJAIRA SUAREZ3 | 430 CHESTNUT AVE SOUTH HACKENSACK, NJ 07606 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | — | $3 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON INSURANCE COMPANY | $881 | — | $881 | 9.99% |
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 | 126 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 86 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $111K |
| Vision | HORIZON INSURANCE COMPANY | 83 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $111K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $111K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 86 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.