| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NOTTINGHAM AGENCY INC3 | 2277 ROUTE 33 SUITE 404 GOLDEN CREST CORPORATE CENTER HAMILTON SQUARE, NJ 08690 | UNITEDHEALTHCARE INSURANCE COMPANY | $131K | $0 | $131K | 3.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 0.83% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $19K | 9.62% |
| NOTTINGHAM AGENCY INC3 | 2277 ROUTE 33 SUITE 404 GOLDEN CREST CORPORATE CENTER HAMILTON SQUARE, NJ 08690 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.19% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 11.19% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY | 20 COMMERCE DRIVE, SUITE 200 CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $793 | $0 | $793 | 0.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 8.48% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 7.03% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $426 | $4K | 5.67% |
| LISA A PERRI3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 3.29% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $440 | $1K | 2.06% |
| MJ INSURANCE3 Filed as: JULIA GEORGE & VARIOUS AGENTS | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| NOTTINGHAM AGENCY INC3 | 2277 ROUTE 33 HAMILTON, NJ 08690 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $0 | $547 | 0.78% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $3.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $200K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $200K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $161K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $172K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $91K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $3.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 67 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.