| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACOB BERGER3 | 410 MONMOUTH AVE. STE 302 LAKEWOOD, NJ 08701 | OXFORD HEALTH INSURANCE, INC. | $83K | $0 | $83K | 4.63% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $0 | $40K | $40K | 2.22% |
| JACOB BERGER3 | 698 PARK AVE LAKEWOOD, NJ 087013440 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $757 | $12K | 5.84% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE, STE 229 WHITE PLAINS, NY 106043516 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DR, STE 4005 DALLAS, TX 752511800 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $154 | $154 | 0.07% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 534 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 504 | $207K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 504 | $207K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 504 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.