| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAROLYN GRAHAM MCLAUGHLIN3 Filed as: CAROLYN MCLAUGHLIN-SMITH | 16 CAMPUS BLVD. NEWTON SQUARE, PA 19073 | HIGHMARK INC. | $29K | — | $29K | 6.04% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 10.47% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN. BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $510 | $3K | 5.50% |
| FULVIO A. ACOSTA3 | 15017 WORTHINGTON RD. PHILADELPHIA, PA 19116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $258 | $2K | 3.07% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD CT. HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $847 | — | $847 | 1.35% |
| GENEVA HODGE3 | 19950 LAKE PARK DR. GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | — | $519 | 0.83% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 E., STE. F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $125 | $323 | 0.52% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 E., STE. F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $92 | $208 | 0.33% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LN. WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $22 | $202 | 0.32% |
| MICHAEL URBAN3 | 3091 ACACIA ST. WILMINGTON, DE 19804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $5 | $191 | 0.31% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD. CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $11 | $190 | 0.30% |
| MICAHEL J. PERRI3 | 775 ROUTE 70 E., STE. F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $12 | $80 | 0.13% |
| EMANUEL JULIAN ASURZA3 | 10445 ATLANTIC AVE. RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $18 | $79 | 0.13% |
| EDUARDO TUCTO3 | 16 OCEAN PKWY. BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.08% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PKWY. BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.08% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 46 IVY DR. JERICHO, NY 11753 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $4 | $12 | 0.02% |
| EM PROPERTY & CASUALTY LLC3 | 13500 SW. 88TH ST., STE. 287 MIAMI, FL 33186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| TULASI ANGELICA ASURZA3 | 4679 SW. 154TH CT. MIAMI, FL 33185 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| SHANE THOMAS WILLIAMS3 | 149 E. MORELAND AVE. HATBORO, PA 19040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDWARD J WILLIAMS3 Filed as: EDWARD J. WILLIAMS | PO BOX 1716 MEDIA, PA 19063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $392 | $5K | 12.57% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | UNITED CONCORDIA INSURANCE COMPANY | — | $490 | $490 | 1.28% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $720 | — | $720 | 15.00% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 51 | $482K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 118 | $38K |
| Vision | EYEMED VISION CARE | 87 | $4K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 152 | $5K |
| Prescription drug | HIGHMARK INC. | 51 | $482K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 81 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.