| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | SYMETRA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.29% |
| HORIZON INSURANCE COMPANY3 | THREE PENN PLAZA NEWARK, NJ 07105 | SYMETRA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $651 | $651 | 0.40% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $5K | $12K | 7.61% |
| 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 | -$4 | $1K | $1K | 0.76% |
| 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 | $6K | $248 | $6K | 14.89% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $954 | $147 | $1K | 2.58% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS, LLC | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $960 | $99 | $1K | 2.48% |
| MJ INSURANCE3 Filed as: RONALD OLIANO AND VARIOUS AGENTS | NINE LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $108 | $630 | 1.48% |
| GERMAINE B HENSS3 Filed as: GERMAINE B. HENSS | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $367 | $0 | $367 | 0.86% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $284 | $12 | $296 | 0.69% |
| LISA OLIANO3 | 906 ARTIS ROAD PLYMOUTH MEETING, PA 19462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $95 | $244 | 0.57% |
| 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 | $5K | $255 | $5K | 15.38% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $55 | $1K | 4.01% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS, LLC | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $793 | $84 | $877 | 2.50% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $597 | $80 | $677 | 1.93% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $187 | $287 | 0.82% |
| GERMAINE B HENSS3 Filed as: GERMAINE B. HENSS AND OTHER AGENTS | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $2 | $283 | 0.81% |
| JULIA GEORGE3 | 160 MERION AVENUE NARBERTH, PA 19072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $101 | $201 | 0.57% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.36% |
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 | 726 | 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) | 726 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 207 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $161K |
| Vision | VISION SERVICE PLAN | 169 | $21K |
| Life insurance(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 726 | $240K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 726 | $162K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 726 | $162K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 207 | $3.2M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 726 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.