| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 3.97% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMAPNY AND AFFILIATES | $6K | — | $6K | 6.89% |
| JEFFREY R KIRK3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 8.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANICAL | 12404 PARK CENTRAL DRIVE #400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
| BENEFIT VENTURES CORP3 | 1460 US HIGHWAY 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | VISION SERVICE PLAN | $3K | — | $3K | 10.86% |
| JEFFREY R KIRK3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 12.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE #400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 5.00% |
| JEFFREY R KIRK3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE #400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $996 | $996 | 5.00% |
| JEFFREY R KIRK3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 12.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE #400S DALLAS, TX 75251 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $491 | $491 | 5.00% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMAPNY AND AFFILIATES | 146 | $88K |
| Vision | VISION SERVICE PLAN | 202 | $31K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 167 | $30K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 159 | $31K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 162 | $27K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 167 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.