| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PF COMPASS3 | 461 SOMERSET STREET NORTH PLAINFIELD, NJ 07060 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | — |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTONE, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $660 | $0 | $660 | — |
| PERRY J KOPLIK3 | 461 SOMERSET STREET NORTH PLAINFIELD, NJ 07060 | OXFORD HEALTH INSURANCE | $37K | $2K | $39K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFIT | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE | $0 | $17K | $17K | — |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $0 |
| Prescription drug | OXFORD HEALTH INSURANCE | 208 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.