| 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. | $67K | $15K | $81K | 5.60% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $149 | $17K | 14.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 10.11% |
| DANIEL P KEENAN3 Filed as: DANIEL KEENAN | 30 WASHINGTON AVE STE B-5 HADDONFIELD, NJ 080333341 | METROPOLITAN LIFE INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$944 | -$944 | -0.79% |
| MICHAEL P ZORN3 | 10573 VERSAILLES BLVD WELLINGTON, FL 33449 | AFLAC | $1K | — | $1K | 3.05% |
| LENIN RODRIGUEZ3 | 430 CHESTNUT AVE S HACKENSACK, NJ 07606 | AFLAC | $464 | — | $464 | 1.16% |
| RUSSELL W WALLIN3 | 4 MIDPARK DR BRICK, NJ 08724 | AFLAC | $435 | — | $435 | 1.08% |
| BRAD CLINTON3 | 41 WILSON AVE E RIVERDALE, NJ 07457 | AFLAC | $412 | — | $412 | 1.03% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $290 | — | $290 | 0.72% |
| JENISE RUSSO3 | 97 THE CIR PASSAIC, NJ 07055 | AFLAC | $221 | — | $221 | 0.55% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $196 | — | $196 | 0.49% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 PISCATAWAY, NJ 07004 | AFLAC | $158 | — | $158 | 0.39% |
| TRAVIS M ALDERMAN3 | 39 RIVER RD FLANDERS, NJ 07836 | AFLAC | $74 | $24 | $98 | 0.24% |
| CHRISTOPHER STROUD3 | 1332 MONMOUTH AVE TOMS RIVER, NJ 08757 | AFLAC | $74 | $22 | $96 | 0.24% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $95 | — | $95 | 0.24% |
| ROBERT FREDERIC ALLAN3 Filed as: ROBERT P DEVILLA | 6401 KENNEDY BLVD E APT B1 WEST NEW YORK, NJ 07093 | AFLAC | $82 | — | $82 | 0.20% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $20 | — | $20 | 0.05% |
| TARA MICHELLE D AGOSTINO3 | 87A BOOREAM AVE JERSEY CITY, NJ 07307 | AFLAC | $20 | — | $20 | 0.05% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 17 OAK LN RANDOLPH, NJ 07417 | AFLAC | $11 | $9 | $20 | 0.05% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | AFLAC | $13 | — | $13 | 0.03% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN ARLINGTON, NJ 07856 | AFLAC | $13 | — | $13 | 0.03% |
| AMY K FOY3 | 804 MCCOY RD FRANKLKIN LAKES, NJ 07417 | AFLAC | $9 | — | $9 | 0.02% |
| DARLENE ANITA SANDERS3 | 9680 MARSH WREN CT APT 301 LAKE WORTH, FL 33467 | AFLAC | $5 | — | $5 | 0.01% |
| ARUNAS GEORGE STRASDAS3 | 11055 SW WINDING LAKES CIR PORT ST LUCIE, FL 34987 | AFLAC | $5 | — | $5 | 0.01% |
| JUDITH S KASS3 | 47 MORNING WATCH RD WAYNE, PA 07470 | AFLAC | $5 | — | $5 | 0.01% |
| YAJAIRA SUAREZ3 | 430 CHESTNUT AVE SOUTH HACKENSACK, NJ 07606 | AFLAC | $3 | — | $3 | 0.01% |
| SHERRY M SMITH3 | 4388 WAXWING CT BOYNTON BEACH, FL 33436 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | — | $3 | 0.01% |
| LELAND E MCCRAVY3 | 9736 SPYGLASS DR VILLA RICA, GA 30180 | AFLAC | $2 | — | $2 | 0.00% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE RD THOMPSON, GA 30824 | AFLAC | $1 | — | $1 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT M | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON INSURANCE COMPANY | $789 | — | $789 | 9.98% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 86 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $119K |
| Vision | HORIZON INSURANCE COMPANY | 73 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $119K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $119K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 86 | $1.5M |
| Other(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 217 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.