| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SERVICES | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $7K | $23K | 6.70% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH | 329 FLINT STREET RENO, NV 89501 | GUARDIAN | $4K | $0 | $4K | 13.52% |
| DILLON HEALTH, LLC3 | 329 FLINT STREET RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.88% |
| NIKKI JEAN PECORINO3 | 3928 CLEARACRE LANE, # 113 RENO, NV 89512 | UNUM LIFE INSURANCE COMPANY | $866 | $0 | $866 | 5.24% |
| NATIONAL UNION FIRE INSURANCE CO3 Filed as: NATIONAL UNION FIRE INS CO OF PITTS | 175 WATER STREET, 18TH FLOOR NEW YORK, NY 10038 | TOKIO MARINE HCC | $0 | $0 | $0 | 0.00% |
| KEVIN SPANN3 Filed as: KEVIN LEE SPANN | 7840 MADISON AVENUE, SUITE 186 FAIR OAKS, CA 95628 | UNUM LIFE INSURANCE COMPANY | $275 | $0 | $275 | 2.38% |
| NIKKI JEAN PECORINO3 | P.O. BOX 33741 RENO, NV 89533 | UNUM LIFE INSURANCE COMPANY | $204 | $0 | $204 | 1.77% |
| THE LAUGHTON COMPANY3 | 140 WASHINGTON STREET, SUITE 100 RENO, NV 89503 | UNUM LIFE INSURANCE COMPANY | $101 | $0 | $101 | 0.88% |
| STEVEN RAY GRIFFIN3 | 20000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.16% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH | 329 FLINT STREET RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY | $898 | $0 | $898 | 10.00% |
| NIKKI JEAN PECORINO3 | 3928 CLEARACRE LANE, # 113 RENO, NV 89512 | UNUM LIFE INSURANCE COMPANY | $551 | $0 | $551 | 6.14% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH | 329 FLINT STREET RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY | $161 | $0 | $161 | 9.45% |
| NIKKI JEAN PECORINO3 | 3928 CLEARACRE LANE, # 113 RENO, NV 89512 | UNUM LIFE INSURANCE COMPANY | $95 | $0 | $95 | 5.58% |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 64 | $30K |
| Long-term disability | GUARDIAN | 64 | $29K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 87 | $354K |
| Other(4 contracts, 2 carriers) | GUARDIAN | 66 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.