| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | OXFORD HEALTH INSURANCE, INC. | $11K | $4K | $15K | 1.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC. | — | $9K | $9K | 1.04% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | 875 AVENUE OF THE AMERICAS ROOM 1801 NEW YORK, NY 10001 | OXFORD HEALTH INSURANCE, INC. | $6K | — | $6K | 0.71% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.22% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.19% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH #304 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $927 | — | $927 | 4.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCE | 6200 CANOGA AVENUE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $565 | — | $565 | 2.93% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | STANDARD INSURANCE COMPANY | $481 | — | $481 | 2.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCE | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | $372 | — | $372 | 1.93% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | VISION SERVICE PLAN | $735 | — | $735 | 4.59% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | 875 AMERICAS SUITE 1801 NEW YORK, NY 10001 | VISION SERVICE PLAN | $229 | — | $229 | 1.43% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH #304 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $461 | — | $461 | 7.04% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | STANDARD INSURANCE COMPANY | $439 | — | $439 | 6.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCE | 6200 CANOGA AVENUE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $181 | — | $181 | 2.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FINANCE | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | $99 | — | $99 | 1.51% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 179 | $854K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 104 | $74K |
| Vision | VISION SERVICE PLAN | 89 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 163 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 163 | $7K |
| Other | STANDARD INSURANCE COMPANY | 163 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.