| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACOBSON GOLDFARB & SCOTT INC3 Filed as: JACOBSON, GOLDFARB & SCOTT, INC. | 101 CRAWFORDS CORNER RD STE 1300 HOLMDEL, NJ 07733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72 | $43K | $43K | 3.99% |
| JACOBSON GOLDFARB & SCOTT INC3 Filed as: JACOBSON, GOLDFARB & SCOTT, INC | 960 HOLMDEL RD HOLMDEL, NJ 07733 | HORIZON HEALTHCARE DENTAL, INC. | $3K | — | $3K | 4.51% |
| JACOBSON GOLDFARB & SCOTT INC3 | 101 CRAWFORDS CORNER RD HOLMDEL, NJ 07733 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $4 | $330 | 1.49% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS, DBA BENEFIT MALL | 1204 PARK CENTRAL DRIVE DALLAS, TX 75251 | HORIZON INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| JACOBSON GOLDFARB & SCOTT INC3 Filed as: JACOBSON, GOLDFARB & SCOTT, INC. | 960 HOLMDEL RD HOLMDEL, NJ 07733 | HORIZON HEALTHCARE SERVICES, INC. | $765 | — | $765 | 4.51% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.1M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE DENTAL, INC. | 80 | $90K |
| Vision | HORIZON INSURANCE COMPANY | 84 | $19K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 126 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.