| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $132K | $0 | $132K | 3.15% |
| MARK REDDINGTON3 | 186 WOOD AVENUE S, SUITE 301 ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.10% |
| MARY T. PUCCIARELLI3 Filed as: MARY PUCCIARELLI | 3 AMBOY AVENUE METCHUEN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.03% |
| JOSEPH GEORGE REILLY3 Filed as: JOSEPH REILLY | 249 SHADY BROOK LANE PRINCETON, NJ 08540 | UNITEDHEALTHCARE INSURANCE COMPANY | $990 | $0 | $990 | 0.02% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.2M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.2M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 519 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.