| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | AETNA | $4K | — | $4K | 5.09% |
| MICHAEL J PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | $274 | $900 | 2.65% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $885 | — | $885 | 2.61% |
| TAYLOR LEIGH PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $676 | $89 | $765 | 2.25% |
| LISA A PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $321 | $212 | $533 | 1.57% |
| MERRIDITH STANTON3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $393 | — | $393 | 1.16% |
| WILLIAM A GRAHAM COMPANY3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 1.05% |
| LAUREN ASHLEY PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $98 | $278 | 0.82% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CPACITY BENEFITS AGENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGNENCY LLC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.39% |
| STEPHEN M HENSS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.31% |
| JULIA GEORGE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.24% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.15% |
| STEVIE KIRCHER3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.08% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $6 | $27 | 0.08% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| HARMONY BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| MORGAN PERRI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| FRANK M DARTEE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| KIM REED SMITH3 Filed as: KIM HAIST | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MICHELLE DARTEE3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| WILLAM D WENBERG3 Filed as: WILLAM E GOOD | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CATHY GOOD3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SOTERIA PARTNERS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | VISION BENEFITS OF AMERICA | $489 | — | $489 | 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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 105 | $85K |
| Vision | VISION BENEFITS OF AMERICA | 114 | $10K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 44 | $34K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 44 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.