| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SCVES. | 1133 WESTCHESTER AVENUE, SUITE 229 WHITEPLAINS, NY 10604 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 1.07% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 7.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SCVES. | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.36% |
| MARK J REDDINGTON3 Filed as: MARK J. REDDINGTON | 186 WOOD AVENUE SOUTH, SUITE 301 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SCVES. | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARY T. PUCCIARELLI3 Filed as: MARY C. PUCCIARELLI | 186 WOOD AVENUE SOUTH, SUITE 301 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $956 | $0 | $956 | 2.44% |
| JOSEPH GEORGE REILLY3 Filed as: JOSEPH G. REILLY | 186 WOOD AVENUE SOUTH, SUITE 301 ISELIN, NJ 08830 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $683 | $0 | $683 | 1.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SCVES. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $384 | $384 | 0.98% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 125 | $912K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $137K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $137K |
| Life insurance(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 163 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $176K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 125 | $912K |
| Other(3 contracts, 3 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 163 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.