| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE AD FINANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75241 | GUARDIAN | $27K | $3K | $29K | — |
| FNA INSURANCE SERVICES INC | 180 RIVER ROAD FL 2 SUMMIT, NJ 07901 | GUARDIAN | $2K | $0 | $2K | — |
| GERBER LIFE INSURANCE COMPANY | 1311 MAMARONECK AVE WHITE PLAINS, NY 10605 | GERBER LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 545 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER LIFE INSURANCE COMPANY | 330 | $0 |
| Dental(2 contracts) | GUARDIAN | 545 | $0 |
| Vision(2 contracts) | GUARDIAN | 545 | $0 |
| Life insurance(2 contracts) | GUARDIAN | 545 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
No prospect flags tripped on this filing.