| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE SHIELD | $51K | — | $51K | 2.45% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 7.50% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING, LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | DENTAL HEALTH OPTIONS BY HEALTH RESOURCES, INC. | $3K | — | $3K | 9.75% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | C/O BENECHOICE ENROLLMENT SOL LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $983 | $518 | $2K | 11.20% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18704 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $1K | — | $1K | 7.67% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $183 | $16 | $199 | 1.49% |
| THOMAS F HAYES3 | 2205 OREGON PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $168 | $13 | $181 | 1.35% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $124 | $2 | $126 | 0.94% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $115 | $10 | $125 | 0.93% |
| REBEKAH RUCH3 | 1700 SULLIVAN TRAIL, #323 EASTON, PA 18040 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $77 | $2 | $79 | 0.59% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH JANE GRIFFITHS | 3893 SWEET ARROW LAKE ROAD PINE GROVE, PA 17963 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $43 | — | $43 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TIMOTHY MARTIN BROWN | 2412 NEWTOWN DRIVE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $33 | $4 | $37 | 0.28% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $16 | $2 | $18 | 0.13% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $5 | $1 | $6 | 0.04% |
| JOSEPH R STOLL3 | 729 TRANQUILITY LANE LANSDALE, PA 19446 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $3 | — | $3 | 0.02% |
| PETRINA SKILES3 Filed as: PETRINA SKILES BENEFITS INC. | 402 SPRINGTON WAY LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $3 | — | $3 | 0.02% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | $1 | — | $1 | 0.01% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 10.00% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | C/O BENECHOICE ENROLLMENT SOL LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $914 | $622 | $2K | 26.14% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | $26 | $305 | 5.19% |
| JOANNE BISHOP3 | 1355 HWY 261 BOONVILLE, IN 47601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 1.69% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $1 | $66 | 1.12% |
| JEFFREY ALAN BOSTON3 | 9700 STRUEH HENDRICKS ROAD EVANSVILLE, IN 47712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $3 | $18 | 0.31% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| NOVALYZE CONSULTING3 Filed as: NOVALYZE CONSULTING LLC | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18424 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $493 | — | $493 | 9.99% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | $312 | $891 | 19.73% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $16 | $185 | 4.10% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $10 | $126 | 2.79% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $1 | $46 | 1.02% |
| DAVID TODD WEINSTEIN3 | 601 W JACKSON BLVD-UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.24% |
| MICHAEL BLOCK3 | 16619 S. PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.18% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| NOVALYZE CONSULTING3 | 91 COUNTRY CLUB ESTATES THORNHURST, PA 18704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $222 | — | $222 | 7.81% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | $57 | $218 | 7.67% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $5 | $57 | 2.00% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.88% |
| REBEKAH RUCH3 | 1700 SULLIVAN TRAIL, #323 EASTON, PA 18040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.67% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIRCLE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.39% |
| THOMAS F HAYES3 | 2205 OREGON PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.25% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $271 | $680 | 27.74% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $164 | $15 | $179 | 7.30% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $1 | $31 | 1.26% |
| JOANNE BISHOP3 | 1355 HWY 261 BOONVILLE, IN 47601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.65% |
| JEFFREY ALAN BOSTON3 | 9700 STRUEH HENDRICKS ROAD EVANSVILLE, IN 47712 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.12% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $45 | $99 | 44.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TIMOTHY MARTIN BROWN | 2412 NEWTOWN DRIVE HARRISBURG, PA 17110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $4 | $38 | 17.04% |
| BRENDA H BRIDGES3 Filed as: BRENDA LEE PLACKO | 1863 CREEK ROAD MANHEIM, PA 17545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 1.79% |
| JAMES BARTLETT LLC3 Filed as: JAMES BARTLETT | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 1.35% |
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 | 213 | 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) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD | 339 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 227 | $84K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 265 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $63K |
| Short-term disability(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | 36 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $16K |
| Prescription drug | HIGHMARK BLUE SHIELD | 339 | $2.1M |
| Other(7 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COPANY | 213 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.