| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY M BONANNO3 | 14 WALSH DR STE 100 PARSIPPANY, NJ 07054 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $45K | $58K | 1.17% |
| GAURANG PANDYA3 | 14 WALSH DR STE 100 PARSIPPANY, NJ 07054 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $45K | $58K | 1.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | NOT PROVIDED DALLAS, TN 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 9.10% |
| ANTHONY M BONANNO3 Filed as: ANTHONY BONANNO | 14 WALSH DR. STE 100 PARSIPPANY, NJ 07054 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 7.50% |
| GAURANG PANDYA3 | NOT PROVIDED MARTINSVILLE, NJ 08836 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 7.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $2K | — | $2K | 5.78% |
| ANTHONY M BONANNO3 Filed as: ANTHONY BONANNO | 14 WALSH DR STE 100 PARSIPPANY, NJ 07054 | VISION SERVICE PLAN | $2K | — | $2K | 4.63% |
| ANTHONY M BONANNO3 Filed as: ANTHONY BONANNO | 14 WALSH DR STE 100 PARSIPPANY, NC 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.41% |
| GAURANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY AND FI | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $639 | $13 | $652 | 3.63% |
| ANTHONY M BONANNO3 Filed as: ANTHONY BONANNO | 14 WALSH DR STE 100 PARSIPPANY, NJ 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $799 | — | $799 | 6.78% |
| GAURANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN LIFE INSURANCE COMPANY | $799 | — | $799 | 6.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY AND FI | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $378 | $13 | $391 | 3.32% |
| ANTHONY M BONANNO3 | 14 WALSH DR ST 100 PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | $571 | — | $571 | 5.00% |
| GUARANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN GENERAL INSURANCE COMPANY | $571 | — | $571 | 5.00% |
| ANTHONY M BONANNO3 Filed as: ANTHONY BONANNO | 14 WALSH DR STE PARSIPPANY, NJ 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $57 | — | $57 | 19.19% |
| GAURANG PANDYA3 | 36 OVERHILL DR NORTH BRUNSWICK, NJ 08902 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | — | $53 | 17.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY AND FI | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $15 | $13 | $28 | 9.43% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 696 | $4.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 696 | $4.9M |
| Vision | VISION SERVICE PLAN | 302 | $35K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 303 | $195K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 303 | $195K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 303 | $195K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 696 | $4.9M |
| Other(5 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 303 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 696 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.