| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDUCIARY INTERMEDIARY LTD | 370 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $46K | $0 | $46K | 3.09% |
| GA SOLUTIONS LLC3 | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | GUARDIAN | $58K | $8K | $66K | 10.11% |
| FIDUCIARY INTERMEDIARY LTD | 370 LEXINGTON AVENUE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $13K | $0 | $13K | 2.45% |
| GEORGE E BIEL Filed as: GEORGE E. BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $2K | $23K | 10.66% |
| BRAD BIEL | 2 GOLD ST NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $7K | $9K | 4.16% |
| ELITE ADMINISTRATION | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $791 | $3K | 1.46% |
| BRYLIN EMPLOYEE BENEFITS LLC | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $160 | $2K | 0.83% |
| JAMES R NELLIGAN & ASSOCIATES LLC | PO BOX 3213 SEA BRIGHT, NJ 07760 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.60% |
| IRA EDENBAUM | 1 CARLETON DRIVE FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $667 | $45 | $712 | 0.34% |
| MARK STANLEY | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $131 | $547 | 0.26% |
| WENDY BIEL Filed as: WENDY D. BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | $0 | $521 | 0.25% |
| FRANK M DARTEE | 12 MOONSHADOW CT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $0 | $268 | 0.13% |
| MICHAEL ANGELO ARROYO | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $32 | $253 | 0.12% |
| DAVID A BETMAN | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $0 | $215 | 0.10% |
| SARAI HERNANDEZ | 253 E TUSCULUM STREET PHILADELPHIA, PA 19134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $12 | $209 | 0.10% |
| ROLANDA BREWER | 32 PERSHING LN SICKERVILLE, NJ 08081 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 0.08% |
| JAMEL WRIGHT | 341 MIDWOOD ST BROOKLYN, NY 11225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $11 | $159 | 0.08% |
| WILLIAM E GOOD Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 0.05% |
| MICHAEL R ACKERMAN | 150 E. SWEDESFORD RD WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.04% |
| CDC CONSULTING SERVICES INC | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.03% |
| DIANE G. DAVIDSON | 72 HIGH STREET BUTLER, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.03% |
| THE WORKSIGHT GROUP LLC | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $43 | $60 | 0.03% |
| MARIA VERONICA JARQUE | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $8 | $48 | 0.02% |
| LINDSAY JEAN WALTERS | 520 N KINGSBURY ST CHICAGO, IL 60654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.02% |
| GARY D DAVIS | 1 ARCTURUS DRIVE SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.02% |
| WAYNE S WOOSTER | 383 N KINGS HWY CHERRY HILL, NJ 08034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.01% |
| KIMBERLY FERGUSON | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $10 | $26 | 0.01% |
| BRENT L GOODE Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.01% |
| STEPHEN M HENSS LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $4 | $12 | 0.01% |
| JAMES CAREY | 1109 SAUNDERS COURT WEST CHESTER, PA 19380 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| PETER C FOURNIER Filed as: PETER C. FOURNIER | 700-76 BROADWAY #186 WESTWOOD, NJ 07675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| JAKORP INC | 14458 CRESTWOOD AVENUE POWAY, CA 92064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.00% |
| MICHAEL C WALKER Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| GEORGE E BIEL Filed as: GEORGE E. BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $140 | $2K | 9.11% |
| THE JEM AGENCY LLC | 50 WINDMILL ROAD ARMONK, NY 10504 | THE PAUL REVERE LIFE INSURANCE COMPANY | $607 | $73 | $680 | 2.58% |
| ELITE ADMINISTRATION | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | THE PAUL REVERE LIFE INSURANCE COMPANY | $298 | $73 | $371 | 1.41% |
| BRAD BIEL | 2 GOLD ST NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $199 | $0 | $199 | 0.75% |
| LORRAINE RHODES | 1465 ROUTE 29 GALWAY, NY 12074 | THE PAUL REVERE LIFE INSURANCE COMPANY | $102 | $55 | $157 | 0.59% |
| MARK STANLEY | 193 SCHLAFER RD BAINBRIDGE, NY 13733 | THE PAUL REVERE LIFE INSURANCE COMPANY | $50 | $27 | $77 | 0.29% |
| WENDY BIEL Filed as: WENDY D. BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.25% |
| IRA EDENBAUM | 1 CARLETON DRIVE FREEHOLD, NJ 07728 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.15% |
| WILLIAM E GOOD Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.07% |
| FRANK M DARTEE Filed as: FRANK M. DARTEE | 12 MOONSHADOW CT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 0.07% |
| MICHAEL R ACKERMAN Filed as: MICHAEL R. ACKERMAN | 150 E. SWEDESFORD RD STE 102 WAYNE, PA 19087 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| DIANE G. DAVIDSON | 72 HIGH STREET BUTLER, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| RITTER AND ASSOCIATES LLC | PO BOX 203 CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| PETER C FOURNIER Filed as: PETER C. FOURNIER | 700-76 BROADWAY #186 WESTWOOD, NJ 07675 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ALAN JUSTIN | 5165 BROADWAY DEPEW, NY 14043 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 484 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 386 | $1.5M |
| Dental | GUARDIAN | 484 | $648K |
| Vision | GUARDIAN | 484 | $648K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 484 | $886K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 199 | $238K |
| Long-term disability(3 contracts, 3 carriers) | GUARDIAN | 484 | $886K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 386 | $518K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 484 | $859K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.