| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | — | WESTPORT INSURANCE CORPORATION | $103K | — | $103K | 14.12% |
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS INC. | — | WESTPORT INSURANCE CORPORATION | $92K | — | $92K | 12.60% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | — | WESTPORT INSURANCE CORPORATION | $45K | — | $45K | 6.21% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $13K | $38K | 13.34% |
| ARTHUR T GRUTT JR3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $837 | — | $837 | 3.25% |
| MORGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $621 | $1 | $622 | 2.42% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | — | $477 | 1.85% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | — | $266 | 1.03% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.24% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $15 | $40 | 0.16% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| ARTHUR T GRUTT JR3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | THE PAUL REVERE LIFE INSURANCE COMPANY | $762 | — | $762 | 3.13% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $470 | — | $470 | 1.93% |
| MORGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | THE PAUL REVERE LIFE INSURANCE COMPANY | $428 | — | $428 | 1.76% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $322 | — | $322 | 1.32% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $254 | — | $254 | 1.04% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $312 | $599 | 3.71% |
| ARTHUR T GRUTT JR3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | — | $556 | 3.44% |
| MORGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $25 | $447 | 2.77% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $197 | $319 | 1.98% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 1.87% |
| RODOVALDO RODRIGUEZ3 | 6606 GRANTON AVENUE A-6 NORTH BERGEN, NJ 07047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | $8 | $230 | 1.42% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NC 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $7 | $178 | 1.10% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.72% |
| ARTHUR T GRUTT JR3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | THE PAUL REVERE LIFE INSURANCE COMPANY | $337 | — | $337 | 2.93% |
| MORGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | THE PAUL REVERE LIFE INSURANCE COMPANY | $222 | — | $222 | 1.93% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $190 | — | $190 | 1.65% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.95% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.49% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $107 | $205 | 24.61% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $94 | $152 | 18.25% |
| RODOVALDO RODRIGUEZ3 | 6606 GRANTON AVENUE A-6 NORTH BERGEN, NJ 07047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $3 | $91 | 10.92% |
| MORGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $9 | $49 | 5.88% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 1.08% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $283K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $283K |
| Life insurance(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $361K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $283K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 222 | $732K |
| Other(6 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 413 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.