| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY, LLC | 1317 RT 37 N SUITE 101 MOUNT LAUREL, NJ 08054 | UNITEDHEALTHCARE INSURANCE COMPANY | $104K | — | $104K | 3.99% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS, LLC - NJ | 718 RIVER RD FAIR HAVEN, NJ 07704 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 0.85% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $39 | — | $39 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ, LLC | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.74% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $725 | $128 | $853 | 1.46% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | $60 | $743 | 1.27% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $569 | $15 | $584 | 1.00% |
| MERRIDITH STANTON3 | 456 LAKE COMO DRIVE POMONA PARK, FL 32181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | — | $453 | 0.77% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $116 | $442 | 0.75% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | $101 | $401 | 0.68% |
| STEVIE KIRCHER3 | 22221 STRUWIN RD BATTLE CREEK, MI 49017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | — | $282 | 0.48% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $21 | $212 | 0.36% |
| PATRICIA ANNE PRENDERGAST3 | 1385 BITTERSWEET LANE WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.13% |
| LEITZ INSURANCE AGENCY LLC3 Filed as: LEITZ INSURANCE AGENCY, LLC | 10 TRADITION CIRCLE EGG HARBOR TWP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.06% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P DOUGHERTY, INC. | 4550 PRESTWICK DRIVE READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| LYNN A GOULD3 | 210 LEXINGTON DRIVE LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS EIN 27-2256926 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $7K |
| ALLYHEALTH LLC EIN 45-1713565 TELEHEALTH ADMIN | Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 317 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $231K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $231K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $231K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $290K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $231K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.