| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFS, LLC3 Filed as: FIFS | 199 TELFORD PIKE TELFORD, PA 18969 | AETNA LIFE INSURANCE COMPANY | $2K | $31K | $33K | 5.02% |
| FIFS, LLC3 | 199 TELFORD PIKE TELFORD, PA 18969 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 1787 SENTRY PARKWAY WEST , SUIT 16 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $760 | — | $760 | 9.99% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 737 MAIN STREET, SUITE 200 BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $380 | — | $380 | 5.00% |
| FIFS, LLC3 | 199 TELFORD PIKE TELFORD, PA 18963 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 5.65% |
| ERC OF NEW YORK3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $201 | $126 | $327 | 4.30% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS, INC. | 126 FOXSHIRE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $21 | $190 | 2.50% |
| REBA GROUP LLC3 Filed as: REBA GROUP, LLC | 1700 SULLIVAN TRAIL EASTON, PA 18040 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 2.47% |
| MJ INSURANCE3 Filed as: FRANK M. DARTEE AND VARIOUS AGENTS | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $40 | $162 | 2.13% |
| JOSEPH R STOLL3 Filed as: JOSEPH R. STOLL | 729 TRANQUILITY LANE LANSDALE, PA 19446 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $11 | $87 | 1.14% |
| LAWRENCE PRICHARD3 | 920 COLONIAL COURT COATESVILLE, PA 19320 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 1.09% |
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 | 160 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 212 | $664K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 64 | $76K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $8K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 212 | $739K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 64 | $76K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 212 | $739K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 212 | $664K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 212 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.