| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS FIN SERV GRP LLC | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $121K | — | $121K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 2.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $4K | $22K | 10.05% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | UNUM INSURANCE CO. | $11K | — | $11K | 7.44% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENFEFITS & FINANCIAL SERV | ONE INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | UNUM INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 | ONE INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | UNUM INSURANCE COMPANY | $58 | — | $58 | 1.34% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $216K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $216K |
| Life insurance(2 contracts, 2 carriers) | UNUM INSURANCE CO. | 238 | $150K |
| Short-term disability(2 contracts, 2 carriers) | UNUM INSURANCE CO. | 238 | $155K |
| Long-term disability | UNUM INSURANCE CO. | 238 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.