| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FICKE & ASSOCIATES INC3 Filed as: FICKE & ASSOCIATES INC. | 271 US HWY 46 STE A201 FAIRFIELD, NJ 070042400 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 4.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SCVS | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 070391043 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.20% |
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE SERVICES | 440 COBIA DR STE 1501 KATY, TX 774947225 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.38% |
| TECHNOLOGY INSURANCE ASSOCIATES LLC3 | 225 GORDONS CORNER RD MANALAPAN, NJ 077263356 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS | DBA BENEFITMALL.COM 12404 PARK CENTERAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.42% |
| TECH INSURANCE AGENCY INC3 | 3044 PORTULACA DR ROUND ROCK, TX 786812451 | PRINCIPAL LIFE INSURANCE COMPANY | $863 | — | $863 | 0.30% |
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 | 1,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 51 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,437 | $287K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,437 | $287K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,437 | $287K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,437 | $287K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,437 | $287K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,437 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,437 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.