| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $0 | $7K | 15.13% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5250 NORTH PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| SPENCER BARRETT3 Filed as: SPENCER M. BROAD | 16 PANORANA COURT MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $49 | $1K | 8.09% |
| TAYLOR LEIGH PERRI3 | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $460 | $72 | $532 | 3.21% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $250 | $131 | $381 | 2.30% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $63 | $185 | 1.12% |
| MORGAN PERRI3 | 23 VOM EIGEN DRIVE MORRISTOWN, NJ 07960 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.65% |
| MICHAEL J PERRI3 Filed as: MICHAEL J. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.49% |
| MY BENEFIT ADVISOR LLC3 | 131 LEES AVENUE TEANECK, NJ 07666 | THE STANDARD LIFE INSURANCE COMPANY | $414 | $0 | $414 | 12.00% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 79 | $637K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 120 | $49K |
| Vision | INDEPENDENCE BLUE CROSS | 79 | $385K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 125 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $47K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $47K |
| Prescription drug(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 79 | $637K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 125 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
No prospect flags tripped on this filing.