| 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 | — | $121K | $121K | 5.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $40K | $40K | 1.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 440 ROUTE 22 EAST SUITE 190 BRIDGEWATER, NJ 08807 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 17.67% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 15.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | -$8 | $1K | 4.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $128 | $128 | 0.52% |
| RAFAEL EKSTEIN3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.74% |
| ABRAHAM MERMELSTEIN3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $352 | — | $352 | 1.64% |
| DON TRUDEAU3 | 25 SEIR HILL ROAD NORWALK, CT 06850 | NATIONAL HEALTH INSURANCE COMPANY | $932 | — | $932 | 7.50% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $845 | $544 | $1K | 13.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $544 | — | $544 | 5.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $55 | $55 | 0.52% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $2.0M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 76 | $78K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 63 | $35K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 96 | $21K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 87 | $12K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 60 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.