| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.88% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | PO BOX 391 LANSDALE, PA 19446 | AETNA LIFE INSURANCE COMPANY | $4K | $54 | $4K | 0.66% |
| HEALTH AND BENEFITS PARTNERS LLC3 | 2006 DEKALB PIKE EAST NORRITON, PA 19401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 7.82% |
| MORGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $370 | $4K | 6.00% |
| LISA A PERRI3 | 775 ROUTE 70 EAST SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $578 | $2K | 2.29% |
| LAUREN ASHLEY PERRI3 Filed as: LAUREN ASHELY PERRI | 775 ROUTE 70 EAST, SUITE F100 MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $928 | $221 | $1K | 1.55% |
| JULIA GEORGE3 | 4314 TERRACE STREET PHILADELPHIA, PA 19128 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 521 WEST MAIN STREET LANSDALE, PA 19446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BLUEBELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.59% |
| HEKATH AND BENEFITS PARTNERS LLC3 | 2006 DEKALB PIKE EAST NORRITON, PA 19401 | PRINCIPAL LIFE INSURANCE COMPANY | $114 | $9 | $123 | 5.92% |
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 | 140 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 105 | $654K |
| Dental | AETNA LIFE INSURANCE COMPANY | 105 | $654K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 105 | $656K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 140 | $97K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $23K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 105 | $654K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 140 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.