| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL J PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 7.93% |
| LISA A PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $631 | $3K | 1.85% |
| MELISSA ARMATIS3 Filed as: MELISSA PATRICIA BINDER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $24 | $2K | 1.08% |
| KYLE BINDER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $18 | $1K | 0.83% |
| LAUREN ASHLEY PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $745 | $305 | $1K | 0.73% |
| CORPORATE SYNERGIES GROUP LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $760 | — | $760 | 0.53% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 0.34% |
| TAYLOR LEIGH PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | — | $373 | 0.26% |
| HARMONY BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 0.20% |
| MERRIDITH STANTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.17% |
| MORGAN PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $217 | — | $217 | 0.15% |
| WILLIAM E GOOD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 133 | $1.9M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 75 | $57K |
| Vision | VISION SERVICE PLAN | 121 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $39K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 133 | $1.9M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 924 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 924 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.