| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE EAST SUITE 100 CHERRY HILL, NJ 080342483 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $64K | $64K | 6.49% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 899 CASSATT ROAD, STE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 2.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 16.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | SUPERIOR VISION PLAN | $1K | — | $1K | 7.68% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 899 CASSATT RD STE 400 BERWYN, PA 19312 | SUPERIOR VISION PLAN | $297 | — | $297 | 1.92% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK BERWYN, PR 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | $24 | $322 | 4.22% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $21 | $306 | 4.01% |
| SPENSOR M BROAD3 | 16 PANORANA COURT MT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $5 | $261 | 3.42% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $24 | $130 | 1.70% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $31 | $108 | 1.41% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MALTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.14% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 350 5TH AVE. NEW YORK, NY 10118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $987K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $136K |
| Vision | SUPERIOR VISION PLAN | 242 | $15K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $144K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 6 | $8K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $136K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $987K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.