| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC | $40K | — | $40K | 4.78% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 080342483 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $639 | $7K | 8.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DR STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 074071361 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $3K | 3.83% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $56 | $472 | 4.24% |
| ANZA & ANZA AND ASSOCIATES3 | 579 LANCASTER AVE BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $168 | $404 | 3.63% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | $1 | $174 | 1.56% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 1.22% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 1.00% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL GROUP INC | 1864 ROUTE 70 EAST CHERRY HILL, NJ 08003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.90% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $17 | $91 | 0.82% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $51 | $73 | 0.66% |
| USI INSURANCE SERVICES LLC3 | ONE ITERNATIONAL PLAZA PHILADELPHIA, PA 19113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.61% |
| ADRENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.33% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.31% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 261 MADISON AVE NEW YORK, NY 10016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.22% |
| HORIZON BENEFITS LLC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $15 | $22 | 0.20% |
| CHESAPEAKE INSURANCE ADVISORS3 | 10 CORPORATE CIRCLE NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.17% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| KEVIN O'NEILL3 | 3101 LIMESTONE ROAD WILLINGTON, DC 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| ELSIE M FAIRCHILD3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| STEPHANIE M RECORDS3 | 65 MIDLAND DR NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| T NASH SKILES INC3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC | 79 | $854K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $86K |
| Vision | HORIZON HEALTHCARE SERVICES, INC | 79 | $843K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $86K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $11K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $86K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 79 | $843K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 260 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.