| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO LLC | 20 COMMERCE DR SUITE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $78K | $78K | 4.71% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 1.72% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.28% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL CT. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $144 | $11K | 6.83% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 4.76% |
| THE JEM AGENCY LLC3 | 50 WINDMILL ROAD ARMONK, NY 10504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.96% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $843 | — | $843 | 0.54% |
| DONALD MORRIS SCHULER3 | 963 HUNT DRIVE YARDLEY, PA 19067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | — | $605 | 0.39% |
| MARVIN COBLE3 | 525 NEW BRUNSWICK ROAD SOMERSET, NJ 08873 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | — | $550 | 0.35% |
| ANTHONY R MANGIONE3 Filed as: ANTHONY R. MANGIONE | 29 SISSON DRIVE ROCHESTER, NY 14623 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | — | $479 | 0.31% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $440 | $0 | $440 | 0.28% |
| QUENTIN DOMINICK ALSTON3 | 7 OAKWOOD ST GREENLAWN, NY 11740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | — | $401 | 0.26% |
| ANDREW HAHN3 | 7 OAKWOOD ST. GREENLAWN, NY 11740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $21 | $340 | 0.22% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $247 | $70 | $317 | 0.20% |
| LOUIS TRANQUILI3 | PO BOX 4993 CLINTON, NJ 08809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $310 | — | $310 | 0.20% |
| WENDY BIEL3 | 1257 CROSSBILL CT. WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.16% |
| KIMANI MATTHEW3 | 153 SOUTH 11TH AVE MT. VERNON, NY 10550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $19 | $190 | 0.12% |
| WILLIAM R COOPER3 | 100 BEAMAN BLVD., APT #3341 ATLANTIC HIGHLANDS, NJ 07716 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.09% |
| GARY BOROWIEC3 | 4 CRAMSEY PLACE DENVILLE, NJ 07834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.09% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $2 | $104 | 0.07% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P DOUGHERTY INC. | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.06% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.05% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.05% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BOULEVARD SECAUCUS, NJ 07094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.05% |
| ROBERT ARNOLD3 | 650 FIRST STREET HOBOKEN, NJ 07030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.04% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $10 | $49 | 0.03% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.02% |
| SALATHIEL MALDONADO3 | 3717 CYPRESS AVE BROOKLYN, NY 11224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $4K | — | $4K | 4.97% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING INC. | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $3K | $3K | 3.97% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | VISION SERVICE PLAN | $1K | — | $1K | 4.83% |
| HERBERT L. JAMISON & CO. LLC3 | 20 COMMERCE DRIVE FL 2 CRANFORD, NJ 07016 | VISION SERVICE PLAN | $54 | — | $54 | 0.22% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.11% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.39% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232 | — | $232 | 12.00% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 152 | $82K |
| Vision | VISION SERVICE PLAN | 106 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 242 | $24K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 242 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.