| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $41K | $0 | $41K | 16.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 354 EISENHOWER PARKWAY 2850 LIVINGSTON, NJ 07039 | CIGNA | $9K | $0 | $9K | 3.67% |
| STONEWOLF BENEFITS DBA PANGEA3 | 40 SW 13TH ST SUITE 203 MIAMI, FL 33130 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.99% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.99% |
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $484 | $0 | $484 | 15.00% |
| STONEWOLF BENEFITS3 | 1395 BRICKELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $221 | $0 | $221 | 10.01% |
| LUIS F CHAVES3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $125 | $0 | $125 | 10.01% |
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $151 | $0 | $151 | 15.02% |
| STONEWOLF BENEFITS3 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | CIGNA | $66 | $0 | $66 | 15.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $55K |
| STONEWOLF BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 1395 BRICKWELL AVE, SUITE 800 MIAMI, FL 33131 | $41K |
| CORNERSTONE INSURANCE NJ ADMINISTRATOR | Contract Administrator Service code 13 | 354 EISENHOWER PARKWAY 2850 LIVINGSTON, NJ 07039 | $9K |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 75 | $256K |
| Dental | CIGNA | 75 | $256K |
| Vision | CIGNA | 75 | $256K |
| Life insurance | CIGNA | 71 | $3K |
| Short-term disability | CIGNA | 71 | $2K |
| Other(4 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 71 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.