| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | 5090 N 40TH ST STE 100 PHOENIX, AZ 850182112 | RELIASTAR LIFE INSURANCE COMPANY | — | $22K | $22K | 3.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS, YORK | 4851 LBJ FWY STE 100 DALLAS, TX 752446079 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 1.99% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 6.64% |
| HENNESY INSURANCE3 Filed as: HENNESY CORPORATION | 711 MADISON AVENUE NORTH DOUGLAS, GA 31533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.33% |
| HENNESY INSURANCE3 | 711 MADISON AVENUE NORTH DOUGLAS, GA 31533 | EYEMED VISION CARE | $3K | — | $3K | 3.77% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | EYEMED VISION CARE | $2K | — | $2K | 2.60% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | EYEMED VISION CARE | $832 | — | $832 | 1.17% |
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 | 518 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,203 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $126K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $126K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 498 | $720K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.