| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GFI INSURANCE BROKERAGE3 Filed as: GFI INSURANCE BROKERAGE INC | 140 BROADWAY FLOOR 41 NEW YORK, NY 10005 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.25% |
| PAUL STANLEY JR3 | 880 JOHNNY DODD BOULEVARD MOUNT PHEASANT, SC 29464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 9.88% |
| STREAMLINE INSURANCE CONCEPTS3 | 7 RANDOLPH ROAD HOWELL, NJ 07731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.65% |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE ROAD SOUTHAMPTON, PA 18966 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $63 | $1K | 3.02% |
| THORSEN GROUP INC3 | 129 ARBOR RIDGE DRIVE WARRINGTON, PA 18976 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $763 | — | $763 | 1.86% |
| DANA SENNO SUMMERS3 | 90 WEST STREET NEW YORK, NY 10006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $176 | $719 | 1.76% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | $207 | $691 | 1.69% |
| THE WORKSIGHT GROUP LLC3 | 1050 WALL STREET WEST LYNDHURST, NE 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | $151 | $507 | 1.24% |
| CHRISTINE L COURTNEY3 | 333 WEEKSRIDGE LANE MONCKS CORNER, SC 29461 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $168 | $460 | 1.12% |
| WILLIAM T MILLER3 | 2908 OTRANTO ROAD NORTH CHARLESTON, SC 29406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $33 | $416 | 1.02% |
| HOWARD STERNHEIM3 | 124 SAINT NICHOLAS AVENUE LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | — | $392 | 0.96% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $7 | $391 | 0.96% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $227 | $361 | 0.88% |
| ROGERS BENEFIT GROUP INC3 Filed as: MELISAA ROGERS LEOPPER | 1545 CLARENDON WAY MOUNT PHEASANT, SC 29466 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | $5 | $320 | 0.78% |
| HOWARD HOROWITZ3 Filed as: HOWARD P DILEMA | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $137 | $270 | 0.66% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE CONCEPS INC | 902 EAST COUNTY LINE ROAD SUITE 202 LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 0.55% |
| JOHN E LANZETTA3 | 1149 PRESIDENTIAL DRIVE QUAKERTOWN, PA 18951 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $9 | $198 | 0.48% |
| GFI INSURANCE3 Filed as: GFI INSURANCE BROKAGGE | 140 BROADWAY 41ST FLOOR NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.47% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVENUE BROOKLYN, NY 11224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $61 | $95 | 0.23% |
| IRA EDENBAUM3 | 1 CARLTON DRIVE FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.21% |
| BRAD BIEL3 | 225 GRAND STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $38 | $82 | 0.20% |
| ISIDOR MOSBACHER3 | 145 FOREST DRIVE LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.17% |
| THOMAS HALPIN3 | 3 COPPERFILED COURT PORT MOMOUTH, NJ 07758 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.16% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| JEFF M NEWMAN3 | 14 FARMINGTON DRIVE MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| MERRIDITH STANTON3 | 316 WOODLWN TERRACE COLLINGWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $51K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $51K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $41K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 107 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.