| 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 | — | $39K | $39K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS, WONG | 2111 EAST HIGHLAND AVE SUITE B210 PHOENIX, AZ 850164733 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 0.39% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 15.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.67% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.80% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | EYEMED VISION CARE | $3K | — | $3K | 4.55% |
| HENNESY INSURANCE3 | 711 MADISON AVENUE NORTH DOUGLAS, GA 31533 | EYEMED VISION CARE | $3K | — | $3K | 4.55% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 304580871 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 33.00% |
| HENNESY INSURANCE3 Filed as: HENNESY CORPORATION | 711 MADISON AVENUE NORTH DOUGLAS, GA 315333109 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 27.00% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 502656463 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 5.11% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $834 | — | $834 | 2.31% |
| HENNESY INSURANCE3 Filed as: HENNESY CORPORATION | 711 MADISON AVENUE NORTH DOUGLAS, GA 31533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $682 | — | $682 | 1.89% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 304580871 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 27.50% |
| HENNESY INSURANCE3 Filed as: HENNESY CORPORATION | 711 MADISON AVENUE NORTH DOUGLAS, GA 315333109 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 22.50% |
| BIGGIN CONSULTING SERVICES LLC3 | 2800 JORDAN GRV WEST DES MOINES, IA 502656463 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 10.44% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD #206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 15.65% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 548 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,311 | $74K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 702 | $61K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $218K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 332 | $167K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 532 | $777K |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 702 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,311 | — |
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.