| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $23K | $0 | $23K | 1.59% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $0 | $7K | 1.59% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.95% |
| GARY WOOD ASSOCIATES, INC.3 | 2 AQUARIUM LOOP DRIVE 2ND FL CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.01% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 22.47% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.00% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.12% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | LINE1 NYC, NY 10010 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $1K | $0 | $1K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $452 | $452 | 4.01% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 9.87% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1540 CORNERSTONE BLVD. STE 230 DAYTONA BEACH, FL 32117 | EQUITABLE FINANCIAL LIFE | $1K | $0 | $1K | 14.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE- BENEFITMALL | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE | $0 | $492 | $492 | 4.67% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | EQUITABLE FINANCIAL LIFE | $0 | $379 | $379 | 3.60% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $674 | $0 | $674 | 17.07% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $22 | $0 | $22 | 9.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN, SVCS | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $9 | $9 | 4.02% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $5 | $0 | $5 | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $2 | $2 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE, CO EIN 59-1031071 NONE | Claims processing; Contract Administrator Service code 12 | — | $219K |
| CENTERSTONE INS AGENCY & FIN, SVCS NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | $109K |
| FOUNDATION RISK PARTNERS, CORP NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | $36K |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $5.8M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 503 | $267K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 503 | $92K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $126K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 110 | $60K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 155 | $468K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.