| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCES. | 1133 WESTCHESTER AVENUE, SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $3K | $11K | 1.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCES. | 12404 PARK CENTRAL, SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.49% |
| MARK REDDINGTON3 | 186 WOOD AVENUE SOUTH, SUITE 301 ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.23% |
| MARY T. PUCCIARELLI3 | 186 WOOD AVENUE SOUTH, SUITE 301 ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $390 | $0 | $390 | 0.06% |
| JOSEPH GEORGE REILLY3 | 186 WOOD AVENUE SOUTH, SUITE 301 ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $278 | $0 | $278 | 0.04% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $687K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $687K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $687K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $687K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.