| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.17% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $212 | $212 | 0.09% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | ONE WOLFS LANE PELHAM, NY 10803 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 16.99% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.78% |
| ERIC JAMES WILHITE3 | 515 CENTERPOINT DR - STE 217 MIDDLETON, CT 06416 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $3K | $4K | 29.68% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC | ONE WOLFE LANE PELHAM, NY 10803 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.32% |
| MADELYN WILHITE3 | 2 CARROLL PLACE CROMWELL, CT 06416 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $499 | $2K | 11.19% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR - STE 410 WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $525 | — | $525 | 3.86% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 E MAIN ST - STE 316 BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $248 | $8 | $256 | 1.88% |
| PATRICK COYLE3 | 500 E MAIN ST - STE 316 BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $208 | — | $208 | 1.53% |
| THE JEM AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | THE PAUL REVERE LIFE INSURANCE COMPANY | $103 | — | $103 | 0.76% |
| JAY Z GERLITZ & ASSOCIATES INC.3 | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | THE PAUL REVERE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.62% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DRIVE WEST ORANGE, NJ 07052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.15% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| ERIC JAMES WILHITE3 | 515 CENTERPOINT DR - STE 217 MIDDLETOWN, CT 06457 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 45.22% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: MERIDIAN RISK MANAGEMENT INC. | ONE WOLFS LANE PELHAM, NY 10803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $253 | $3K | 22.43% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR - STE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | $165 | $770 | 6.88% |
| MADELYN WILHITE3 | 2 CARROLL PL CROMWELL, CT 06416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $163 | $493 | 4.40% |
| PATRICK COYLE3 | 500 EAST MAIN STREET-STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $35 | $284 | 2.54% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 500 E MAIN STREET-STE 316 BRANFORD, CT 06405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $16 | $254 | 2.27% |
| THE JENN AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.35% |
| JAY Z GERLITZ & ASSOCIATES INC.3 | 207 BRIARWOOD DRIVE SOMERS, NY 10589 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.28% |
| JASON SCZEPANIAK3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DRIVE WEST ORANGE, NJ 07052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| CROWN RISK MANAGEMENT, LLC4 Filed as: MERIDIAN RISK MANAGEMENT | 1 WOLFS LANE PELHAM, NY 10803 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $968 | — | $968 | 9.63% |
| AON CONSULTING INC4 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $740 | — | $740 | 7.36% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 423 | $32K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 372 | $270K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 372 | $245K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 372 | $245K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 372 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
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.