| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 Filed as: BOLLINGER, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $17K | — | $17K | 9.92% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $2K | $6K | 3.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $423 | $11K | 14.24% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS, LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.57% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $607 | $3K | 3.64% |
| MJ INSURANCE3 Filed as: CHERY LAGUNILLA & VARIOUS AGENTS | 120 JOAN DRIVE TRAPPE, PA 19426 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $591 | $2K | 2.76% |
| GERMAINE B HENSS3 Filed as: GERMAINE HENSS | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $642 | $199 | $841 | 1.05% |
| MELVINEA WILLIAMS3 | 377 SOUTH HARRISON STREET EAST ORANGE, NJ 07018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $746 | — | $746 | 0.93% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTON, PA 18940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $494 | $34 | $528 | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $826 | — | $826 | 4.01% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | VISION SERVICE PLAN | $299 | — | $299 | 1.45% |
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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 223 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 216 | $150K |
| Vision(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 223 | $3.4M |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 471 | $170K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 471 | $170K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 471 | $170K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 223 | $3.4M |
| Other(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 471 | $249K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.