| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $0 | $6K | $6K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $743 | $6K | 17.00% |
| ENROLLEASE3 Filed as: ENROLLEASE INC DBA EASECENTRA | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $509 | $0 | $509 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $3K | $666 | $4K | 12.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $416 | $0 | $416 | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $2K | $257 | $2K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM INSURANCE COMPANY | $2K | $283 | $2K | 19.88% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVENUE SUITE 200 SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $296 | $0 | $296 | 3.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $590 | $36 | $626 | 7.84% |
| BEVER, PAUL, EDWARD3 | 334 STATE ST SUITE 205 LOS ALTOS, CA 94022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | $0 | $26 | 0.33% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $152 | $0 | $152 | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $30 | $0 | $30 | 2.28% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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 |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $124K |
| Vision | VISION SERVICE PLAN | 170 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $44K |
| Short-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 222 | $18K |
| Long-term disability | NEW YORK LIFE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 83 | $29K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.