| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP LLC | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $119K | $119K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $48K | $48K | 2.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.09% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP, LL | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 3.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 3.00% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP LLC | 1825 MAIN STREET SUITE 102 WESTON, FL 33326 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $420 | — | $420 | 1.99% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $4K | $5K | 35.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST AVENUE SUITE 500 MIAMI, FL 33135 | FEDERAL INSURANCE COMPANY | $329 | $66 | $395 | 18.04% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 222 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $432K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $432K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $432K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $432K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $432K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 230 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.