| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD COLLINS3 | 1670 RT 34 WALL TOWNSHIP, NJ 07727 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $65K | $71K | 7.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 3.66% |
| DONALD COLLINS3 Filed as: DONALD R COLLINS | 89 SAW TIMBER DR HILTON HEAD ISLAND, SC 29926 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 9.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SERVICE | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 14.63% |
| DONALD COLLINS3 | 89 SAW TIMBER DR HILTON HEAD ISLAND, SC 29926 | UNITEDHEALTHCARE INSURANCE COMPANY | $736 | — | $736 | 9.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $372 | — | $372 | 4.59% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $103K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $103K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $103K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.