| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIONHEART BROKERAGE3 Filed as: LIONHEART | 670 N BEERS ST BLDG 3 HOLMDEL, NJ 077331543 | UNITEDHEALTHCARE INSURANCE COMPANY | $100K | — | $100K | 2.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 070391043 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $57K | $57K | 1.32% |
| FRANK A CAPRIA3 | 5 HAWTHORNE CT FREEHOLD, NJ 077284317 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | — | $49K | 1.15% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000 200 CONNELL DR BERKELEY HEIGHTS, NJ 079222805 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$52 | -$52 | -0.00% |
| M&T INS AGENCY INC3 Filed as: M AND T INS AGENCY INC. | 285 DELAWARE AVE BUFFALO, NY 142021885 | UNITEDHEALTHCARE INSURANCE COMPANY | -$235 | — | -$235 | -0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | ATTN CHAQUITA HUBBARD 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.57% |
| M&T INS AGENCY INC3 Filed as: M & T INS AGENCY INC. | 285 DELAWARE AVE. BUFFALO, NY 142021885 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 1.15% |
| DONALD C SAVOY INC NJ3 Filed as: DONALD C SAVOY INC. NJ | 25B HANOVER DR. STE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.77% |
| LIONHEART BROKERAGE3 | 25B HANOVER DR. STE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINAN. SER. LLC | DBA BENEFITMALL 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 18.54% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $4.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 628 | $4.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 698 | $323K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 698 | $332K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 698 | $323K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 698 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 698 | — |
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."
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.