| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE CONCEPTS, INC. | 902 E COUNTY LINE RD LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 11.22% |
| THE WORKSIGHT GROUP LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $5K | $8K | 6.02% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $5K | $7K | 4.93% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $47 | $4K | 2.60% |
| C & L REED ASSOCIATES LLC3 | 3300 SHIPLEY ST. LADSON, SC 29456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $520 | $3K | 2.21% |
| IRA EDENBAUM3 | 1 CARLETON DR. FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $214 | $2K | 1.78% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $67 | $397 | 0.29% |
| CLARENCE MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | $52 | $217 | 0.16% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.11% |
| JAMIEL WRIGHT3 | 341 MIDWOOD STREET BROOKLYN, NY 11225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $31 | $116 | 0.09% |
| EVELYN GARCIA3 | 1562 1ST AVENUE NEW YORK, NY 10028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $4 | $11 | 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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.