| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK REDDINGTON3 | 88 ROCKAWAY ROAD LEBANON, NJ 08833 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $0 | $29K | 1.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 50 MAIN STREET, SUITE 320 WHITE PLAINS, NY 10606 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $21K | $21K | 1.44% |
| MARY T. PUCCIARELLI3 | 3 AMBOY AVENUE METUCHEN, NJ 08840 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 1.23% |
| JOSEPH GEORGE REILLY3 | 249 SHADYBROOK LANE PRINCETON, NJ 08540 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVENUE SUITE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $9K | $14K | 0.93% |
| MARK REDDINGTON3 | 186 WOOD AVENUE SOUTH, SUITE 301 ISELIN, NJ 08833 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL, SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.27% |
| JOSEPH GEORGE REILLY3 Filed as: JOSEPH G. REILLY | 249 SHADY BROOK LANE PRINCETON, NJ 08540 | UNITEDHEALTHCARE INSURANCE COMPANY | $933 | $0 | $933 | 0.06% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.5M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.5M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.