| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $93K | $93K | 4.18% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 2.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 17.66% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 15.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $944 | — | $944 | 3.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $493 | $8 | $501 | 1.60% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | -$75 | — | -$75 | -0.24% |
| ABRAHAM MERMELSTEIN3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.04% |
| RAFAEL EKSTEIN3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.64% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.11% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY LT | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$43 | $2K | $1K | 5.37% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $849 | $2K | 12.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $571 | — | $571 | 3.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $328 | — | $328 | 1.95% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | -$51 | — | -$51 | -0.30% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $2.2M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $99K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $48K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $30K |
| Stop-loss / reinsurancereinsurance | EXCESS REINSURANCE UNDERWRITERS | 85 | $85K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.