| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | DELTA DENTAL OF NEW JERSEY, INC. | $253 | $0 | $253 | 0.12% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | SYMETRA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.34% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.98% |
| MJ INSURANCE3 Filed as: RONALD OLIANO AND VARIOUS AGENTS | 9 LONDON COURT NEWTOWN, PA 19840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $344 | $2K | 4.77% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.61% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS, LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $61 | $2K | 3.53% |
| TANYA WISHARD3 | PO BOX 307 CORDORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $947 | $136 | $1K | 2.19% |
| GERMAINE B HENSS3 Filed as: GERMAINE B. HENSS | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $910 | $0 | $910 | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $619 | $8 | $627 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA 2 SADDLE BROOK, NJ 07663 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.55% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.50% |
| GERMAINE B HENSS3 Filed as: GERMAINE B. HENSS AND OTHER AGENTS | 44 HERSHEY LANE PARKESBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $982 | $430 | $1K | 3.55% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS, LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $43 | $1K | 3.38% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.04% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $84 | $754 | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | $5 | $675 | 1.70% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.25% |
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 | 720 | 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) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 272 | $3.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 415 | $215K |
| Vision | VISION SERVICE PLAN | 203 | $25K |
| Life insurance(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 720 | $285K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 720 | $196K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 720 | $196K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 272 | $3.8M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 720 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.