| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1133 WESTCHESTER AVE STE. 5229 WHITE PLAINS, NY 10604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $9K | $18K | 6.33% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LYNDON B JOHNSON FWY STE 1100 DALLAS, TX 75244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.69% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH LLC | 329 FLINT STREET RENO, NV 89501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.99% |
| DIGITAL INSURANCE LLC3 | 200 GALERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 8.29% |
| NIKKI J PCORINO3 | PO BOX 33741 RENO, NV 89533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.16% |
| DILLON HEALTH, LLC3 Filed as: DILLON HEALTH LLC | 329 FLINT STREET RENO, NV 89501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.73% |
| HENKES WELSH INSURANCE INC.3 Filed as: HENKES WELSH INS INC | 639 ISBELL SUITE #440 RENO, NV 89509 | HARTFORD LIFE AND ACCIDENT | $143 | — | $143 | 15.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CDS GROUP HEALTH EIN 88-2020496 TPA VENDOR | Claims processing Service code 12 | 1625 E PRATER WAY BLDG C, SUITE 101 SPARKS, NV 89434 | $34K |
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 | 74 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $33K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $33K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 93 | $290K |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.