| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | — | $88K | 12.77% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 6.13% |
| INCENTIVE SYSTEMS INC3 | 280 PENNBROOK PKWY LANDSDALE, PA 19446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.68% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $52 | $1K | 1.94% |
| JULIA GEORGE3 | 4314 TERRACE ST PHILADELPHIA, PA 19128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | — | $727 | 1.26% |
| MICHAEL J PERRI3 | 775 ROUTE 70 E STE F 100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $601 | $123 | $724 | 1.26% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 E STE F 100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $67 | $484 | 0.84% |
| LISA A PERRI3 | 775 ROUTE 70 E STE F 100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $341 | $132 | $473 | 0.82% |
| JEFF M NEWMAN3 | 1007 E SORE DR UNIT B BRIGANTINE, NJ 08203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $96 | $312 | 0.54% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $26 | $237 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 28 PENNBROOK PARKWAY LANDSDALE, PA 19446 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.33% |
| HARRY LORE3 | 4 GLANFORD XING MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $11 | $68 | 0.12% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.10% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $25 | $45 | 0.08% |
| MERRIDITH STANTON3 | 456 LAKE COMO DR POMONA PARK, FL 32181 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.62% |
| FNA INS SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 117972530 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ, SUITE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.70% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $691K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $691K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $691K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 302 | $93K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 302 | $35K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 302 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.