| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERRY HILL BENEFITS, INC.3 | 1415 ROUTE 70 EAST, SUITE 600 CHERRY HILL, NJ 08034 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.12% |
| NICHOLAS R. TAFARO3 | 1415 MARLTON PIKE E, SUITE 600 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $7K | $38K | 10.71% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC | 1415 ROUTE 70 E, SUITE 600 CHERRY HILL, NJ 08034 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.99% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC | 1415 ROUTE 70 E, SUITE 403 CHERRY HILL, NJ 08034 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 21.68% |
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 | 383 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 576 | $4.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 576 | $4.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 290 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $353K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $353K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $353K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 576 | $4.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 399 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.