| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW SILBERT3 Filed as: ANDREW M SILBERT | 195 FAIRFIELD AVENUE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $771 | $8K | 7.73% |
| NANCY E DAMATO3 | 953 MALLARD DRIVE LANOKA HARBOR, NJ 08734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 7.71% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS C PETERSON | 206 EASTHAM ROAD POINT PLEASANT, NJ 08742 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.50% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 2.30% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 | 46 BUFFALO HOLLOW ROAD BRANCHBURG, NJ 08876 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.97% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $505 | $2K | 1.77% |
| GINA P BRANCH3 | 971 EAST 87TH STREET BROOKLYN, NY 11236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | $253 | $975 | 0.95% |
| VOLUNTARY BENEFIT PROGRAMS LLC3 | 200 GRAND COVE WAY EDGEWATER, NJ 07020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $664 | — | $664 | 0.64% |
| CHIMIENTI & ASSOCIATES3 | 3400 WEST MINERAL KING AVENUE VISALIA, CA 93291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $632 | — | $632 | 0.61% |
| GREGORY WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | $3 | $485 | 0.47% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $13 | $204 | 0.20% |
| FREDRIC OWEN ROBINS3 | 136 TUSCAN ROAD MAPLEWOOD, NJ 07040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.19% |
| ALICE POL3 | 118 EATON WAY CHERRY HILL, NJ 08003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.17% |
| ROBERT W SABOL3 | 24 STEVENSON AVENUE CORTLANDT MANOR, NY 10567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $20 | $80 | 0.08% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.00% |
| NANCY E DAMATO3 | 953 MALLARD DRIVE LANOKA HARBOR, NJ 08734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.74% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS C PETERSON | 206 EASTHAM ROAD POINT PLEASANT, NJ 08742 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.78% |
| VOLUNTARY BENEFIT PROGRAMS LLC3 | 200 GRAND COVE WAY EDGEWATER, NJ 07020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $745 | — | $745 | 1.15% |
| CHIMIENTI & ASSOCIATES3 | 3400 WEST MINERAL KING AVENUE VISALIA, CA 93291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $646 | — | $646 | 1.00% |
| GREGORY WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $6 | $261 | 0.40% |
| ANDREW SILBERT3 Filed as: ANDREW M SILBERT | 195 FAIRFIELD AVENUE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $9 | $89 | 0.14% |
| ROBERT SHISSLER3 | 107 WYNDMERE ROAD MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.11% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $7 | $24 | 0.04% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $5 | $16 | 0.02% |
| ANDREW SILBERT3 Filed as: ANDREW M SILBERT | 195 FAIRFIELD AVENUE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $59 | $606 | 18.67% |
| NANCY E DAMATO3 | 953 MANOR DRIVE LANOKA HARBOR, NJ 08734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $394 | — | $394 | 12.14% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $9 | $280 | 8.63% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS C PETERSON | 206 EASTHAM ROAD POINT PLEASANT, NJ 08742 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 6.07% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 | 46 BUFFALO HOLLOW ROAD BRANCHBURG, NJ 08876 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 5.21% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $40 | $145 | 4.47% |
| FREDRIC OWEN ROBINS3 | 136 TUSCAN ROAD MAPLEWOOD, NJ 07040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 2.80% |
| GINA P BRANCH3 | 971 EAST 87TH STREET BROOKLYN, NY 11236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $8 | $31 | 0.96% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $2 | $25 | 0.77% |
| ROBERT W SABOL3 | 24 STEVENSON AVENUE CORTLANDT MANOR, NY 10567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.09% |
| ANDREW SILBERT3 Filed as: ANDREW M SILBERT | 195 FAIRFIELD AVENUE WEST CALDWELL, NJ 07006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $758 | $59 | $817 | 52.24% |
| NANCY E DAMATO3 | 953 MALLARD DRIVE LANOKA HARBOR, NJ 08734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 11.13% |
| ALICE POL3 | 118 EATON WAY CHERRY HILL, NJ 08003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 8.57% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS C PETERSON | 206 EASTHAM ROAD POINT PLEASANT, NJ 08742 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 5.56% |
| GINA P BRANCH3 | 971 EAST 87TH STREET BROOKLYN, NY 11236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $19 | $73 | 4.67% |
| GARY D DAVIS3 | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $18 | $64 | 4.09% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $2 | $53 | 3.39% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 | 46 BUFFALO HOLLOW ROAD BRANCHBURG, NJ 08876 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.53% |
| ROBERT W SABOL3 | 24 STEVENSON AVENUE CORTLANDT MANOR, NY 10567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.38% |
| STEPHEN M HENSS LLC3 | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.26% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $172K |
| Life insurance(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 174 | $220K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $172K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.