| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&T INS AGENCY INC3 Filed as: M AND T INS AGENCY INC. | 285 DELAWARE AVE BUFFALO, NY 142021885 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 1.26% |
| FRANK A CAPRIA3 | 5 HAWTHORNE CT FREEHOLD, NJ 077284317 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 0.97% |
| LIONHEART BROKERAGE3 Filed as: LIONHEART | 670 N BEERS ST BLDG 3 HOLMDEL, NJ 077331543 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | — | $35K | 0.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 070391043 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 0.74% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $18K | $18K | 0.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 2.53% |
| LIONHEART BROKERAGE3 | 670 N BEERS ST BUILDING 3 HOLMDEL, NJ 07733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 2.38% |
| CAPRIA, FRANK3 | 5 HAWTHORNE CT FREEHOLD, NJ 07728 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 2.38% |
| LIONHEART BROKERAGE3 Filed as: LIONHEART BROKERAGE LLC | 670 NORTH BEERS STREET BLDG 3 HOLMDEL, NJ 07733 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| DONALD C SAVOY INC3 | T/A/ SAVOY ASSOCIATES 25 B HANOVER ROAD FLORHAM PARK, NC 07932 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINAN. SER. LLC | DBA BENEFITMALL 354 EISENHOWER PKWY PLZ. STE 2850 LIVINGSTON, NJ 07039 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| FRANK A CAPRIA3 Filed as: FRANK A CAPRA | 5 HAWTHORNE COURT FREEHOLD, NJ 07728 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
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 | 339 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 371 | $244K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 371 | $244K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.6M |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.7M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.6M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 570 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.