| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAIG STOOPLER3 | 1939 RT 70 E SUITE 200 CHERRY HILL, NJ 08003 | AETNA LIFE INSURANCE COMPANY | $71K | — | $71K | 4.03% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD STE 220 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 1.01% |
| CRAIG STOOPLER3 | 1939 MARLTON PIKE E SUITE 200 CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.84% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $665 | $5K | 3.96% |
| CRAIG STOOPLER3 | 1939 RT 70 E SUITE 200 CHERRY HILL, NJ 08003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 23.43% |
| JEFF M NEWMAN3 | 14 FARMINGTON DRIVE MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $723 | $3K | 20.58% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $368 | $2K | 10.81% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | $264 | $795 | 5.45% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $699 | — | $699 | 4.79% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $450 | $634 | 4.34% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $45 | $278 | 1.90% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $67 | $165 | 1.13% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 252 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $128K |
| Vision | AETNA LIFE INSURANCE COMPANY | 252 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $142K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $142K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.