| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL D. WALSH BENEFITS3 | 718 RIVER ROAD FAIR HAVE, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $56K | — | $56K | 3.34% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL CT. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $148 | $14K | 8.22% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 3.59% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $718 | $3K | 1.91% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $135 | $2K | 1.06% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P DOUGHERTY INC. | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $351 | $2K | 0.91% |
| ANTHONY R MANGIONE3 Filed as: ANTHONY R. MANGIONE | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $94 | $1K | 0.71% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BOULEVARD SECAUCUS, NJ 07094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $706 | $1K | 0.66% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | $307 | $1K | 0.61% |
| ROBERT ARNOLD3 | 650 FIRST STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $538 | $17 | $555 | 0.32% |
| GARY BOROWIEC3 | 4 CRAMSEY PLACE DENVILLE, NJ 07834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | — | $410 | 0.24% |
| LOUS TRANQUILI3 | PO BOX 4993 CLINTON, NJ 08809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | — | $401 | 0.23% |
| CHRISTOPHER JOHNSON3 | 131 WEST 112 ST. APT. B NEW YORK, NY 10026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $18 | $313 | 0.18% |
| WENDY BIEL3 | 1257 CROSSBILL CT. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 0.18% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $14 | $261 | 0.15% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.13% |
| THE WORKSIGHT GROUP LLC3 | 743 PASSAIC AVE CLIFTON, NJ 07012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $122 | $196 | 0.11% |
| GARY KAMINSKA3 | 113 BEDFORDSHIRE DRIVE HENRIETTA, NY 14467 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.05% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $8 | $86 | 0.05% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.03% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.03% |
| SEAN COLRICK3 | 58 SOUTH TERRACE SHORT HILLS, NJ 07078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $43 | $54 | 0.03% |
| THE JEM AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.03% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| CHRISTINE MARIE BEACH3 | 612 EASTBOOKE LN ROCHESTER, NY 14618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.02% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVE BROOKLYN, NY 11224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $7 | $27 | 0.02% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO | 17 STATE ST NEW YORK, NY 10004 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 5.95% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DRIVE 2ND FLOOR CRANFORD, NJ 07016 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | VISION SERVICE PLAN | $1K | — | $1K | 5.28% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L. JAMISON & CO LLC | 20 COMMERCE DRIVE BSMT 2 CRANFORD, NJ 07016 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.57% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 207 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 322 | $84K |
| Vision | VISION SERVICE PLAN | 207 | $22K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 328 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 325 | $26K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 207 | $1.7M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 328 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.