| 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 | — | $34K | $34K | 4.16% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE (NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 1.32% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP | 25 SEIR HILL ROAD NORWALK, CT 06850 | INTEGON NATIONAL INSURANCE COMPANY | $11K | — | $11K | 7.50% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMOUNT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $574 | $854 | $1K | 6.28% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $435 | — | $435 | 1.91% |
| HENRY KELLNER3 | 80 HERRICK AVENUE SPRING VALLEY, NY 10977 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $341 | — | $341 | 15.16% |
| BENEFITMALL3 | 12404 PARK CENRAL DRIVE SUITE 400S DALLAS, TX 75251 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $136 | — | $136 | 6.04% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $816K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 28 | $23K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 28 | $23K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 28 | $23K |
| Long-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 30 | $2K |
| Stop-loss / reinsurancereinsurance | INTEGON NATIONAL INSURANCE COMPANY | 118 | $150K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 28 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.