| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INS ASSOC LLC3 | 100 WOOD AVE S 4TH FL ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $51K | $51K | 3.83% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE EAST SUITE 100 CHERRY HILL, NJ 080342483 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 2.65% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 899 CASSATT ROAD, STE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 2.59% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 22.87% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFFITS RESEARCH LLC | 325 N KIRKWOOD RAOD SUTIE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | SUPERIOR VISION PLAN | $2K | — | $2K | 8.49% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 899 CASSATT RD STE 400 BERWYN, PA 19312 | SUPERIOR VISION PLAN | $482 | — | $482 | 1.97% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $419 | $3K | 20.90% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $159 | $2K | 13.27% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $377 | $412 | $789 | 6.22% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MALTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | $231 | $726 | 5.73% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $176 | $562 | 4.43% |
| SPENCER BARRETT3 Filed as: SPENCER M BROAD | 16 PANORANA COURT MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 1.49% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $1.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $57K |
| Vision | SUPERIOR VISION PLAN | 290 | $24K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $70K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $13K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $57K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $1.3M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 244 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
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.