| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. DBA BENEFITMALL | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $61K | $16K | $77K | 6.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, STE. 800 WORCHESTER, MA 01608 | USABLE LIFE | $2K | — | $2K | 7.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. DBA BENEFITMALL | 12404 PARK CENTRAL DR., STE. 4005 DALLAS, TX 75251 | USABLE LIFE | $2K | — | $2K | 6.74% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, STE. 800 WORCHESTER, MA 01608 | USABLE LIFE | $1K | — | $1K | 7.74% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 6.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. DBA BENEFITMALL | 12404 PARK CENTRAL DR., STE. 4005 DALLAS, TX 75251 | USABLE LIFE | $936 | — | $936 | 5.92% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.2M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.2M |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.2M |
| Life insurance | USABLE LIFE | 146 | $16K |
| Long-term disability | USABLE LIFE | 113 | $27K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.2M |
| Other | USABLE LIFE | 146 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.