| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 5.04% |
| WILLIAM A GRAHAM COMPANY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $776 | — | $776 | 1.98% |
| MERRIDITH STANTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $721 | $48 | $769 | 1.97% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $66 | $336 | 0.86% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CPACITY BENEFITS AGENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 0.62% |
| STEVE KIRCHER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | — | $207 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNECY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.40% |
| MICHAEL J PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $4 | $147 | 0.38% |
| LISA A PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $3 | $137 | 0.35% |
| STEPHEN M HENSS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.32% |
| JULIA GEORGE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.30% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.18% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| HARMONY BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| TAYLOR LEIGH PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $2 | $18 | 0.05% |
| KEVIN STANTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.04% |
| MORGAN PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| LAUREN ASHLEY PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.02% |
| KIM REED SMITH3 Filed as: KIM HAIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| FRANK M DARTEE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| MICHELLE DARTEE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| CATHY GOOD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLIAM E GOOD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARNTERS LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION BENEFITS OF AMERICA | $347 | — | $347 | 3.75% |
| THE GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | VISION BENEFITS OF AMERICA | $116 | — | $116 | 1.25% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO | 114 | $223K |
| Dental | AETNA LIFE INSURANCE CO | 103 | $87K |
| Vision | VISION BENEFITS OF AMERICA | 116 | $9K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $39K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $39K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $39K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 114 | $223K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.