| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY BONANNO3 Filed as: ANTHONY M BONANNO | 5 KLIMBACK CT WEST CALDWELL, NJ 07006 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $55K | $73K | 1.39% |
| GAURANG PANDYA3 | 14 WALSH DR STE 100 PARSIPPANY, NJ 07054 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $55K | $73K | 1.39% |
| ANTHONY BONANNO3 | 14 WALSH DR. STE 100 PARSIPPANY, NJ 07054 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $32K | $5K | $37K | 8.68% |
| GAURANG PANDYA3 | NOT PROVIDED MARTINSVILLE, NJ 08836 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $32K | $5K | $37K | 8.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | NOT PROVIDED DALLAS, TN 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 5.00% |
| ANTHONY BONANNO3 | 14 WALSH DR STE 100 PARSIPPANY, NJ 07054 | VISION SERVICE PLAN | $2K | — | $2K | 3.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $2K | — | $2K | 3.60% |
| ANTHONY BONANNO3 | 14 WALSH DR STE 100 PARSIPPANY, NC 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.12% |
| GAURANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY AND FI | PO BOX 664173 DALLAS, TX 75266 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $5 | $1K | 6.09% |
| GUARANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN GENERAL INSURANCE COMPANY | $191 | — | $191 | 0.85% |
| ANTHONY BONANNO3 Filed as: ANTHONY M BONANNO | 14 WALSH DR ST 100 PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | $103 | — | $103 | 0.46% |
| ANTHONY BONANNO3 | 14 WALSH DR STE 100 PARSIPPANY, NJ 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.88% |
| GAURANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY AND FI | PO BOX 664173 DALLAS, TX 75266 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.94% |
| GAURANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN LIFE INSURANCE COMPANY | $39 | — | $39 | 13.13% |
| ANTHONY BONANNO3 | 14 WALSH DR STE PARSIPPANY, NJ 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | — | $35 | 11.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY AND FI | PO BOX 664173 DALLAS, TX 75266 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | $5 | $22 | 7.41% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 791 | $5.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 791 | $5.3M |
| Vision | VISION SERVICE PLAN | 360 | $46K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 471 | $420K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 471 | $420K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 471 | $420K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 791 | $5.3M |
| Other(5 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 471 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 791 | — |
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.