| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GRAHAM COMPANY3 | — | AETNA | $4K | — | $4K | 5.29% |
| MERRIDITH STANTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $57 | $1K | 2.86% |
| WILLIAM A GRAHAM COMPANY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.85% |
| STEVIE KIRCHER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | $5 | $546 | 1.32% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | — | $261 | 0.63% |
| JULIA GEORGE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $6 | $202 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.40% |
| MICHAEL J PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.36% |
| LISA A PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.36% |
| STEPHEN M HENSS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 0.31% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.18% |
| KEVIN STANTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.12% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| HARMONY BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| CHARLENE ALPAY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.03% |
| MORGAN PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| FRANK M DARTEE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY R SCHEER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| TIMOTHY J REED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| KIM REED SMITH3 Filed as: KIM HAIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| MICHELLE DARTEE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GROUP INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOANNE K ROY3 Filed as: JOANNE LORENC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIAM E GOOD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CATHY GOOD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRAD BIEL3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $428 | — | $428 | 5.00% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $41K |
| Dental | AETNA | 102 | $77K |
| Vision | VISION BENEFITS OF AMERICA | 98 | $9K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $41K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE INSURANCE | 99 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.