| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FICKE & ASSOCIATES INC3 | 271 US HIGHWAY 46 STE A201 FAIRFIELD, NJ 070042400 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 6.93% |
| APB INSURANCE CONSULTING3 | SERVICES AGENCY INC 633 E FERNHURST DR KATY, TX 774501588 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.68% |
| FICKE & ASSOCIATES INC3 | 271 US HWY 46 STE A201 FAIRFIELD, NJ 070042400 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 4.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCS | DBA BENEFITMALL 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 070391043 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.34% |
| APB INSURANCE CONSULTING3 | SERVICES AGENCY INC 633 E FERNHURST DR KATY, TX 774501588 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.87% |
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 | 1,119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,612 | $342K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,612 | $342K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,612 | $597K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,612 | $597K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,612 | $597K |
| Other(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,612 | $597K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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.