| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.09% |
| HAYS COMPANIES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 1020 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | 721 EMERSON ROAD, SUITE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.91% |
| HAYS COMPANIES, INC.3 | 600 GERMANTOWN PIKE, SUITE 171 PLYMOUTH MEETING, PA 19462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 28.19% |
| BONNIE H DROBNES3 Filed as: BONNIE H. DROBNES | 203 GLENEAGLES COURT BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 11.30% |
| NICHOLAS C BENNIS3 Filed as: NICHOLAS C. BENNIS AND OTHER AGENTS | 510 FILBERT ROAD ORELAND, PA 19075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.58% |
| CLAY E. JOHNSON3 | 740 SIX MILE BOARD ROAD BELVIDERE, TN 37306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.10% |
| MICHAEL HECHT3 | 3301 ELLINGTON LANE PHOENIXVILLE, PA 19460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.31% |
| NOLAN D MCCUE3 Filed as: NOLAN D. MCCUE | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $820 | $0 | $820 | 1.75% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LAKSPUR LANE MALVERO, PA 19355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | $0 | $783 | 1.67% |
| HAYS COMPANIES, INC.3 | 1800 JFK BOULEVARD PHILADELPHIA, PA 19428 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.53% |
| MICHAEL J PERRI3 Filed as: MICHAEL J. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $0 | $212 | 1.43% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $164 | $0 | $164 | 1.11% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.80% |
| FREDRICK CHAMBERS AND OTHER AGENTS3 | 1109 OVOCA ROAD TULLAHOMA, TN 37388 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.28% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.18% |
| CYNTHIA L RAY3 Filed as: CYNTHIA L. RAY | 2116 FAIRFIELD PIKE SHELBYVILLE, TN 37160 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.11% |
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 | 637 | 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) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIRMEDCARE NETWORK | 637 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $126K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 637 | $225K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 637 | $225K |
| Other(8 contracts, 8 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 637 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 637 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.