| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $35K | — | $35K | 1.31% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 8.80% |
| SPENCER BARRETT3 Filed as: SPENCER M BROAD | 16 PANORANA COURT MT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 5.32% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 5.06% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $10K | 4.30% |
| TAYLOR LEIGH PERRI3 | 775 EAST ROUTE 70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $919 | $8K | 3.12% |
| MORGAN PERRI3 | 40 LEXINGTON CIR MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $536 | $6K | 2.63% |
| MELISSA ARMATIS3 Filed as: MELISSA PATRICIA BINDER | 775 EAST ROUTE 70 SUITE F-1000 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $35 | $3K | 1.12% |
| SARAH WEYMOUTH3 Filed as: SARAH E PERCHESKI | 2 GEORGETOWN RD CARNEYS POINT, NJ 08069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $718 | $52 | $770 | 0.32% |
| KYLE BINDER3 | 230 HAMPSHIRE AVENUE AUDUBON, NJ 08106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $271 | $15 | $286 | 0.12% |
| CHARLES T MCGLINN3 | 1249 FORGE ROAD CHERRY HILL, NJ 08034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 3.88% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.91% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $24 | $283 | 0.84% |
| SPENCER BARRETT3 Filed as: SPENCER M BROAD | 16 PANORANA COURT MT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $17 | $278 | 0.83% |
| MORGAN PERRI3 | 40 LEXINGTON CIR MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $2 | $20 | 0.06% |
| LISA A PERRI3 | 775 EAST ROUTE 70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.04% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON INSURANCE COMPANY | $2K | — | $2K | 9.96% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 158 | $2.7M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 163 | $122K |
| Vision | HORIZON INSURANCE COMPANY | 157 | $17K |
| Life insurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 218 | $275K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $242K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $242K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 163 | $122K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.