| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK, INC. | $71K | — | $71K | 4.49% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 12.74% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 9.57% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $464 | $3K | 6.23% |
| JULIE GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $160 | $3K | 5.43% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $904 | $2K | 4.13% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $569 | $2K | 3.23% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $827 | $480 | $1K | 2.58% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 13.05% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $330 | $2K | 8.02% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $132 | $2K | 7.39% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $797 | $668 | $1K | 5.48% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $709 | $426 | $1K | 4.25% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $638 | $370 | $1K | 3.77% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 1317 ROUTE 73 MOUNT LAUREL, NJ 08054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $910 | — | $910 | 18.39% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | THE PAUL REVERE LIFE INSURANCE COMPANY | $601 | $72 | $673 | 13.60% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | THE PAUL REVERE LIFE INSURANCE COMPANY | $298 | $2 | $300 | 6.06% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $188 | $63 | $251 | 5.07% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $209 | — | $209 | 4.22% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $165 | — | $165 | 3.33% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | $1 | $8 | 14.04% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 7.02% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 5.26% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 3.51% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HIGHMARK, INC. | 213 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $93K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $93K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 49 | $82K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 49 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
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.