| 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 | $50K | — | $50K | 5.99% |
| 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 | $3K | $9K | 9.93% |
| 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 | $321 | $96 | $417 | 0.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $710 | $112 | $822 | 9.05% |
| ANZA & ANZA AND ASSOCIATES3 | 1700 PARK AVE WEEHAWKEN, NJ 07086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $127 | $675 | 7.44% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 1.16% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 1.08% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.73% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL GROUP INC | 1864 ROUTE 70 EAST CHERRY HILL, NJ 08003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.66% |
| USI INSURANCE SERVICES LLC3 | ONE ITERNATIONAL PLAZA PHILADELPHIA, PA 19113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.48% |
| ADRENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.42% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.39% |
| KIM REED SMITH3 Filed as: KIM HAIST | 803 RALSTON DRIVE MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.28% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 261 MADISON AVE NEW YORK, NY 10016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.26% |
| CHESAPEAKE INSURANCE ADVISORS3 | 10 CORPORATE CIRCLE NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.23% |
| BENECHOICE ENROLLMENT SOLUTIONS3 Filed as: BENECHOICE ENROLLMENT SOLUTIONS INC | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| 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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC | 82 | $844K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $86K |
| Vision | HORIZON HEALTHCARE SERVICES, INC | 82 | $835K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $86K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 8 | $9K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $86K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 82 | $835K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.