| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SERVICES | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HORIZON HEALTHCARE SERVICES, INC. | $8K | $0 | $8K | 0.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFIT M | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $425 | $147 | $572 | 0.03% |
| PETER SILVIS - MANHATTAN RIDGE ADVI3 | 33 WOOD AVE #600 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.55% |
| ACRISURE LLC3 | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | STANDARD INSURANCE COMPANY | $157 | $0 | $157 | 0.36% |
| PETER SILVIS - MANHATTAN RIDGE ADVI3 | 33 WOOD AVE #600 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.54% |
| ACRISURE LLC3 | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | STANDARD INSURANCE COMPANY | $156 | $0 | $156 | 0.46% |
| CORT WILLIAM GORHAM3 | 504 FISK AVE BRIELLE, NJ 08730 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $675 | $23 | $698 | 6.64% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE APT 107 UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $40 | $121 | 1.15% |
| KATRINA KUNKEL3 | 40 CASTLE ROCK ROAD LAKE HOPATCONG, NJ 07849 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $37 | $46 | 0.44% |
| LAUREN JACOBS3 | 364 RED MAPLE DR W WANTAGH, NY 11793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.28% |
| ZACHARY EUGENE VICKERS3 | 24 S LOCUST ST MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.09% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 245 | $2.2M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 245 | $2.2M |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 245 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 289 | $54K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 289 | $34K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 245 | $2.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 289 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.