| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $2K | $28K | 10.05% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.66% |
| STEVIE KIRCHER3 | 22221 STRUWIN ROAD BATTLE CREEK, MI 49017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $28 | $3K | 0.90% |
| DOUGLAS ROBERT BORLAND3 | 919 SCOTT ST WILKES-BARRE, PA 18705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $530 | $2K | 0.59% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| KEVIN STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $804 | — | $804 | 0.28% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $777 | $4 | $781 | 0.28% |
| FRANCISCO JAVIER RUIZ3 | 10102 COURTNEY OAKS CIRCLE TAMPA, FL 33619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $668 | $95 | $763 | 0.27% |
| ROBERT G DE MAILLY3 | 522 CLEARVIEW DR COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | — | $626 | 0.22% |
| VIOLET E KANOFF3 | 310 N FRONT ST LEMOYNE, PA 17043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | — | $556 | 0.20% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | $83 | $326 | 0.12% |
| TRESSA VADETTE DARGAN JASPER3 | 137-60 SOUTHGATE ST SPRINGFIELD GARDENS, NY 11413 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $8 | $281 | 0.10% |
| CLARK INSURANCE3 Filed as: THE CLARK GROUP | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $121 | $215 | 0.08% |
| NORTH EAST EMPIRE INC3 | 93 WOODSIDE RD DANVILLE, PA 17821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $3 | $188 | 0.07% |
| PATRICIA ANNE PRENDERGAST3 | 1385 BITTERSWEET LANE WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $37 | $175 | 0.06% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.06% |
| ROBERT FRANCIS REILLY3 | 61 NORTH GRANT ST WILKES BARRE, PA 18702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.06% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $64 | $121 | 0.04% |
| BETH ANN PETRONE3 Filed as: BETH A. PETRONE | 9209 KUNKELS MILL ROAD KEMPTON, PA 19529 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.04% |
| JOSHUA CARMEN CARFAGNO3 | 8233 WILSON STREET PHILADELPHIA, PA 19149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.04% |
| LEITZ INSURANCE AGENCY LLC3 | 10 TRADITION CIRCLE EGG HARBOR TWP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $49 | $93 | 0.03% |
| WORKSITE AMERICA LLC3 | 14141 46TH STREET NORTH CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $16 | $64 | 0.02% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $30 | $61 | 0.02% |
| JULIANE D BERRY3 | 212 LAKESHIRE DRIVE LEXINGTON, SC 29073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.02% |
| KASSANDRA MARIE WILL3 | 2315 BARKWOOD PASS CLEARWATER, FL 33763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $6 | $54 | 0.02% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 7 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.02% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.01% |
| ROBERT W SABOL3 | 24 STEVENSON AVE CORTLANDT MNR, NY 10567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| EAST COAST ENROLLMENT SERVICES LLC3 | 61 SPLITRAIL LANE BLUE BELL, PA 19422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.00% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| ANNA CAROL MARTIN3 | 28 YORK STREET BRADFORD, PA 16701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DONALD B FAULKNER SR3 | 612 IVY GREEN LANE IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| JESSIE R CAPLEY3 | 1716 STILLWATER DRIVE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| WILLIAM GARDNER EICHHORN3 | 3450 CHAPEL CREEK CIRCLE WESLEY CHAPEL, FL 33544 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HEALTHGGRAM INC3 | 8731 RED OAK BLVD CHARLOTTE, NC 282173984 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 17.80% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 13.03% |
| HEALTHGRAM INC3 Filed as: HEALTHGRAM, INC. | 8731 RED OAK BOULEVARD CHARLOTTE, NC 28217 | MADISON NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.60% |
| HEALTHGRAM INC3 | 8731 RED OAK BOULEVARD CHARLOTTE, NC 282173984 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 6.43% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 182 | $28K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 263 | $59K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 100 | $57K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 263 | $59K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
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.