| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEREDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $16K | $34K | 12.42% |
| JULIA GEORGE3 | 160 MERION AVENUE NARBERTH, PA 19072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 3.10% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $425 | $8K | 2.83% |
| STEVIE KIRCHER3 | 109 MIDDLESEX STREET GLOUCESTER CITY, NJ 08030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $421 | $4K | 1.63% |
| KEVIN STANTON3 | 1405 CHEWS LANDING ROAD LAUREL SPRINGS, NJ 08021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $611 | $3K | 1.02% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.59% |
| KATHLEEN MURRAY-BARRETT3 | 1002 LAURENCE DRIVE BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $982 | $220 | $1K | 0.44% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $689 | $215 | $904 | 0.33% |
| KATHRINE CONNORS3 | 1 OAKLAND DRIVE MAGNOLIA, NJ 08049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | — | $409 | 0.15% |
| CLARK INSURANCE3 Filed as: THE CLARK GROUP | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $203 | $325 | 0.12% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DRIVE MOUNT LAUREL, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 0.09% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $2 | $228 | 0.08% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DRIVE READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $59 | $212 | 0.08% |
| JULIANE D BERRY3 | 5 CLUSTER ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $12 | $190 | 0.07% |
| JOSHUA CARMEN CARFAGNO3 | 8233 WILSON STREET PHILADELPHIA, PA 19149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $39 | $134 | 0.05% |
| ADVANCED BENEFIT SYSTEM INC3 | 25 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $66 | $107 | 0.04% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $82 | $105 | 0.04% |
| REBEKAH RUCH3 | 1700 SULLIVAN TRAIL, #323 EASTON, PA 18040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $2 | $88 | 0.03% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $10 | $23 | 0.01% |
| ROBERT G DE MAILLY3 | 522 CLEARVIEW DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| TAYLOR LEIGH PERRI3 | 775 EAST ROUTE 70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| HEATHER MARIE SODON3 | 17485 STATE ROUTE 167 MONTROSE, PA 18801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JESSIE R CAPLEY3 | 1716 STILWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 14.00% |
| HEALTHGRAM INC3 Filed as: HEALTHGRAM, INC. | 8731 RED OAK BOULEVARD CHARLOTTE, NC 28217 | MADISON NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.41% |
| HEALTHGRAM INC3 Filed as: HEALTHGRAM, INC. | 8731 RED OAK BOULEVARD CHARLOTTE, NC 28217 | MONY LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 21.34% |
| HEALTHGRAM INC3 | 8731 RED OAK BOULEVARD CHARLOTTE, NC 282173984 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 6.29% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 415 | $29K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 280 | $46K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 117 | $60K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 280 | $46K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 120 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.