| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN PETER3 Filed as: CHRISTIAN JOSEF PETER | 7 HOOK HARBOR ROAD ATLANTIC HIGHLANDS, NJ 07716 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | $0 | $54K | 9.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 1133 WESTCHESTER AVENUE, SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 2.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FILCO ACQUISITION | 354 EISENHOWER PARKWAY, SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 2.07% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE, ROOM 703 NEW YORK, NY 10017 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.20% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 1.19% |
| THE COMPETITIVE ADVANTAGE COMPANIES3 | 54 BROAD STREET, SUITE 200 RED BANK, NJ 07701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 7.63% |
| GEORGE J ROE3 Filed as: GEORGE JOSHUA ROE | 108 JACKSON STREET, APARTMENT 4A HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 6.02% |
| MJ INSURANCE3 Filed as: BARTON W. IRBY AND VARIOUS AGENTS | 1762 BRISTOL FARMS COURT GRAYSON, CA 30017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.99% |
| SEAN COLRICK3 Filed as: SEAN RYAN COLRICK | 58 SOUTH TERRACE SHORT HILLS, NJ 07078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.56% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.35% |
| THE COMPETITIVE ADVANTAGE COMPANIES3 | 108 JACKSON STREET, APARTMENT 4A HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.59% |
| ROBERT E. BRUNSON3 | 460 WEST 147TH STREET, APARTMENT 66 NEW YORK, NY 10031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.45% |
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 | 548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 784 | $584K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 784 | $584K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 784 | $584K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $254K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $254K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 784 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.