| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEADING EDGE ADMINISTRATORS5 | 14 WALL STREET, SUITE 5B NEW YORK, NY 10005 | WESTPORT INSURANCE CORPORATION | — | $149K | $149K | 49.83% |
| STERLING INSURANCE CONCEPTS3 | 902 E COUNTY LINE RD LAKEWOOD, NJ 08701 | WESTPORT INSURANCE CORPORATION | — | $35K | $35K | 11.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN | $8K | $2K | $10K | 17.41% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK | 261 MADISON AVE FL 27 NEW YORK, NY 10016 | GUARDIAN | $22 | — | $22 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN | $577 | $44 | $621 | 53.77% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK | 261 MADISON AVE FL 27 NEW YORK, NY 10016 | GUARDIAN | $3 | — | $3 | 0.26% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 99 | $55K |
| Life insurance | GUARDIAN | 99 | $55K |
| Short-term disability(2 contracts) | GUARDIAN | 99 | $56K |
| Long-term disability | GUARDIAN | 99 | $55K |
| Stop-loss / reinsurancereinsurance(2 contracts) | WESTPORT INSURANCE CORPORATION | 281 | $327K |
| Other | GUARDIAN | 99 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.