| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SUITE 101 MT LAUREL, NJ 08054 | GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 6.38% |
| KEVIN STANTON3 | 1405 CHEWS LANDING RD LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 16.80% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 16.77% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 13.51% |
| JULIA GEORGE3 | 160 MERION AVENUE NARBERTH, PA 19072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $958 | $2K | 7.91% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $81 | $2K | 7.34% |
| STEVIE KIRCHER3 | 109 MIDDLESEX ST GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $861 | $119 | $980 | 3.81% |
| KATHLEEN MURRAY-BARRETT3 | 1002 LAURENCE DR. BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $112 | $309 | 1.20% |
| DAVID JOHNSON3 | 18 WEST HOWARD ST STOWE, PA 19464 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | $29 | $268 | 1.04% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P DOUGHERTY INC. | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $29 | $106 | 0.41% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $40 | $52 | 0.20% |
| JOSHUA CARMEN CARFAGNO3 | 8233 WILSON ST PHILADELPHIA, PA 19149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $16 | $41 | 0.16% |
| MICHAEL J REPECKYJ3 Filed as: MICHAEL JOHN REPECKYJ | 205 OAKTREE CT WARWICK, PA 18974 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $2 | $16 | 0.06% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 146 | $171K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 146 | $171K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 146 | $197K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 146 | $171K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 146 | $171K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 146 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.