| 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 | $45K | $0 | $45K | 8.11% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $14K | $32K | 5.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FILCO ACQUISITION | 354 EISENHOWER PARKWAY, SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.39% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE, ROOM 703 NEW YORK, NY 10017 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.22% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $12K | $18K | 24.41% |
| MARIA GAMB3 | 443 12TH STREET BROOKLYN, NY 11215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 17.15% |
| CHRISTIAN PETER3 Filed as: CHRISTIAN JOSEF PETER | 54 BROAD STREET RED BANK, NJ 07701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 14.95% |
| MARIA GAMB3 | 443 12TH STREET BROOKLYN, NY 11215 | THE PAUL REVERE LIFE INSURANCE COMPANY | $510 | $0 | $510 | 15.43% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $316 | $34 | $350 | 10.59% |
| ROBERT E. BRUNSON3 | 460 WEST 147TH STREET, APARTMENT 66 NEW YORK, NY 10031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | — |
| MARIA C ORTIZ3 Filed as: MARIA CHRISTINA ORTIZ | 3530 WEST GLENCOE STREET MIAMI, FL 33133 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | — |
| THAIS TORRES3 | 4532 SW 89TH COURT MIAMI, FL 33165 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | — |
| SHIRLEY SASTRE SOUTO3 | 560 REINANTE AVENUE CORAL GABLES, FL 33156 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | — |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$3 | $0 | -$3 | — |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR. | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$3 | $0 | -$3 | — |
| MJ INSURANCE3 Filed as: MELISSA A RHODES AND VARIOUS AGENTS | 306 ROLLINGWOOD DRIVE NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$3K | $0 | -$3K | — |
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 | 679 | 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) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $552K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $552K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $552K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $0 |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $0 |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.