| 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 | 4.37% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 2.02% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| RAFAEL EKSTEIN3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.50% |
| ABRAHAM MERMELSTEIN3 | 185 MARCY AVENUE 2-4C BROOKLYN, NY 11211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | — | $416 | 1.50% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.17% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$23 | $2K | $1K | 5.39% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $2K | $4K | 19.95% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $730 | — | $730 | 4.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $54 | — | $54 | 0.31% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $984 | $615 | $2K | 14.03% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $458 | — | $458 | 4.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $42 | — | $42 | 0.37% |
| DON TRUDEAU3 | 25 SEIR HILL ROAD NORWALK, CT 06850 | NATIONAL HEALTH INSURANCE COMPANY | $745 | — | $745 | 7.50% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $2.1M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 82 | $82K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 93 | $28K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 67 | $10K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 69 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.