| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | $8K | $24K | 9.96% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $1K | $13K | 5.42% |
| MICHAEL J PERRI3 Filed as: MICHAEL J. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $390 | $3K | 1.30% |
| STEVIE KIRCHER3 | 109 MIDDLESEX STREET GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $163 | $1K | 0.62% |
| MELISSA VOSMUS LYON3 | 257 SANDPIPER DRIVE CASSELBERRY, FL 32707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $744 | $0 | $744 | 0.31% |
| THELMA LOUISE WIGGINS3 | 115 CAMLIN COURT COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | $6 | $459 | 0.19% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $43 | $443 | 0.18% |
| GREGORY ALLEN BATTEN3 | 2619 ELWICK STREET OCOEE, FL 34761 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $59 | $226 | 0.09% |
| JULIA GEORGE3 | 160 MERION AVENUE NARBERTH, PA 19072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $98 | $186 | 0.08% |
| KAREN PICCININI3 | 425 W COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $71 | $183 | 0.08% |
| ROBERT G DE MAILLY3 | 522 CLEARVIEW DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.07% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEM INC. | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $54 | $89 | 0.04% |
| DONALD B FAULKNER SR3 Filed as: DONALD B. FAULKNER SR. | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $2 | $75 | 0.03% |
| KEVIN STANTON3 | 1405 CHEWS LANDING ROAD LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $51 | $62 | 0.03% |
| TAYLOR LEIGH PERRI3 | 775 EAST ROUTE 70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $1 | $62 | 0.03% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $23 | $59 | 0.02% |
| ROMEO TYRONE GAINEY3 | 1343 PARLIAMENT LAKE DRIVE COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $18 | $50 | 0.02% |
| JESSIE R CAPLEY3 Filed as: JESSIE R. CAPLEY | 1716 STILLWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $5 | $49 | 0.02% |
| EMPLOYEE BENEFITS GROUP OF FLORIDA3 | 13750 WEST COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $23 | $48 | 0.02% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.02% |
| TERRY J SILVERS3 Filed as: TERRY D. GARRETT | 459 RUNNING FOX ROAD WEST COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| SHERRON HOPPER3 | P O BOX 85206 LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| HOBART BRADLEY MCCOLLUM3 | 1479 FIRE TOWER ROAD PROSPERITY, SC 29127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 16.50% |
| ECBM LP3 Filed as: ECBM | 300 CONSHOCKEN STATE ROAD STE. 405 WEST CONSHOHOCKEN, PA 19428 | MADISON NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.38% |
| LESTER A. ARTHUR3 | 305 HORTON GROVE ROAD FORT MILL, SC 297157839 | MADISON NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.87% |
| ARTHUR COX WILSON & ASSOCIATES3 | 18 MYSTIC LANE MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $876 | $0 | $876 | 1.50% |
| ECBM LP3 | 300 CONSHOHOCKEN STATE ROAD SUITE 405 WEST CONSHOHOCKEN, PA 19428 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.24% |
| LESTER A. ARTHUR3 | 305 HORTON GROVE ROAD FORT MILLS, SC 297157839 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.68% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS, INC. | P.O. BOX 742 BLUE BELL, PA 19422 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| HEALTHGRAM INC3 Filed as: HEALTHGRAM INC. | 8731 RED OAD BOULEVARD CHARLOTTE, NC 282173984 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.77% |
| ARTHUR COX WILSON & ASSOCIATES3 | 18 MYSTIC LANE MALVERN, PA 19355 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $753 | $0 | $753 | 1.56% |
| ECBM LP3 | 300 CONSHOHOCKEN STATE ROAD SUITE 405 WEST CONSHOHOCKEN, PA 19428 | AMERITAS LIFE INSURANCE CORP. | $844 | $0 | $844 | 3.20% |
| LESTER A. ARTHUR3 | 305 HORTON GROVE ROAD FORT MILL, SC 297157839 | AMERITAS LIFE INSURANCE CORP. | $695 | $0 | $695 | 2.63% |
| ARTHUR COX WILSON & ASSOCIATES3 | 18 MYSTIC LANE MALVERN, PA 193551942 | AMERITAS LIFE INSURANCE CORP. | $149 | $0 | $149 | 0.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC. EIN 56-1449504 NONE | Other services; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | P.O. BOX 188061 CHATTANOOGA, TN 37422 | $99K |
| CIGNA EIN 59-1031071 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $42K |
| ARTHUR COX WILSON & ASSOCIATES EIN 23-2230858 NONE | Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | 18 MYSTIC LANE MALVERN, PA 19355 | $34K |
| ECBM EIN 43-2071188 NONE | Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees Service code 16 | 300 CONSHOHOCKEN STATE ROAD SUITE 405 WEST CONSHOHOCKEN, PA 19428 | $34K |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 186 | $26K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 361 | $48K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 119 | $58K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 361 | $48K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 361 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.