| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.02% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.03% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | PO BOX 8419 PELHAM, NY 10803 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.03% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | ONE WOLFS LANE PELHAM, NY 10803 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 10.28% |
| ERIC JAMES WILLHITE3 | 1420 EUTLAW BATTALION DR CHARLESTON, SC 24912 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $8K | $15K | 38.24% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | ONE WOLFS LANE PELHAM, NY 10803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 30.75% |
| MADELYN RENE PELCHAT3 Filed as: MADELYN WILLHITE | 2 CARROLL PL CROMWELL, CT 06416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $873 | $3K | 8.64% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DR - STE 301 FORT WASHINGTON, PA 19034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.63% |
| PATRICK COYLE3 | 500 EAST MAIN STREET-STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $530 | $2K | 4.02% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 E MAIN STREET-STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $98 | $1K | 3.02% |
| DESTINY OSORIO3 | 32 WOODLAND CT MERIDEN, CT 06450 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | $51 | $640 | 1.61% |
| THE JENN AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.09% |
| TGG ASSOCIATES INC3 | 610 CLEMATIS ST - UNIT 620 WEST PALM BEACH, FL 33401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 53 WILD DUNES WAY OLD ORCHARD BEACH, ME 04064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| JAY Z GERLITZ & ASSOCIATES INC.3 | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| FREDERICK D LEIGH3 | 29 RAMBLIN BROOK RD SEEKONK, MA 02771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MCNEIL VOLUNTARY BENEFITS GROUP3 | 9 ACORN CIRCLE MEDFIELD, MA 02052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| STEVEN RUEL3 | PO BOX 494 MATTAPOISETT, MA 02739 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ERIC JAMES WILLHITE3 | 1420 EUTAW BATTALION DRIVE CHARLESTON, SC 29412 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $5K | $8K | 25.13% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | ONE WOLFS LANE PELHAM, NY 10803 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7K | — | $7K | 21.87% |
| MADELYN RENE PELCHAT3 Filed as: MADELYN WILLHITE | 2 CARROLL PLACE CROMWELL, CT 06416 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $993 | $5K | 14.58% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DRIVE, SUITE 301 FORT WASHINGTON, PA 19034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.87% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 E MAIN ST - STE 316 BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $919 | $77 | $996 | 2.99% |
| PATRICK COYLE3 | 500 E MAIN ST - STE 316 BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $788 | — | $788 | 2.37% |
| THE JEM AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | THE PAUL REVERE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.22% |
| TGG ASSOCIATES INC3 | 610 CLEMATIS ST - UNIT 620 WEST PALM BEACH, FL 33401 | THE PAUL REVERE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.15% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| JAY Z GERLITZ & ASSOCIATES INC.3 | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| CROWN RISK MANAGEMENT, LLC4 Filed as: MERIDIAN RISK MANAGEMENT | 1 WOLFS LANE PELHAM, NY 10803 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 17.00% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 381 | $31K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $226K |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $319K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $153K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.