| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FIN SVCS | GROUP LLC PO BOX 1689 PEARL RIVER, NY 10965 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $56K | $56K | 2.75% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS GROUP INC | PO BOX 1689 PEARL RIVER, NY 10965 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $51K | $51K | 2.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 1.36% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS & FIN SVCS GRP LL | 1 BLUE HILL PLAZA, 12TH FLOOR PEARL RIVER, NY 10965 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.18% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS & FIN SVCS GRP LL | 1 INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $601 | $601 | 0.93% |
| CAPACIT BENEFITS AND FINANCIAL3 | SERVICES GROUP, LLC PO BOX 1689 PEARL RIVER, NY 10965 | EYEMED | $2K | $0 | $2K | 6.87% |
| CAPACITY BENEFITS AND FINANCIAL3 | SERVICES GROUP, LLC 1 INTERNATIONAL BLVD MAHWAH, NJ 07494 | EYEMED | $671 | $0 | $671 | 2.16% |
| CAPACITY BENEFITS AND FINANCIAL3 | ONE INTERNATIONAL BOULEVARD SUITE 300 MAHWAH, NJ 07495 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $313 | $4K | 19.76% |
| NRL WEALTH CREATION STRAT3 | UNKNOWN THE WOODLANDS, TX 77339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.03% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $18K |
| Vision | EYEMED | 385 | $31K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $64K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 195 | $2.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.