| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL CRYSTAL3 | 3 RUSSELL TER WAYNE, NJ 07470 | OXFORD HEALTH INSURANCE, INC | $44K | — | $44K | 3.40% |
| PARTLOW INSURANCE AGENCY INC3 | PO BOX 2900 WINCHESTER, VA 22604 | OXFORD HEALTH INSURANCE, INC | $24K | $89 | $24K | 1.82% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | $0 | $9K | $9K | 0.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | BENEFITMALL.COM 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | OXFORD HEALTH INSURANCE, INC | $0 | $6K | $6K | 0.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $17K | 12.55% |
| PARTLOW INSURANCE AGENCY INC3 | P O BOX 2900 WINCHESTER, VA 22604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.72% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 183 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $134K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $134K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $134K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $134K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $134K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.