| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA | $18K | $18K | $36K | 19.88% |
| JOHN ROBERT DIMARTINO | 65 MECHANIC STREET RED BANK, NJ 07701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.92% |
| JULIA GEORGE | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $519 | $3K | 6.74% |
| LISA A PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $358 | $1K | 3.36% |
| LAUREN ASHLEY PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $745 | $206 | $951 | 2.29% |
| MORGAN PERRI | 23 VOM ELGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $83 | $748 | 1.80% |
| LYNN A GOULD Filed as: LYNN A GOUID | 210 LEXINGTON DR LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $365 | — | $365 | 0.88% |
| MICHAEL J PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $48 | $298 | 0.72% |
| BILODEAU INC | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $126 | $231 | 0.56% |
| DESIRAE OLSON-HEIBERGER | 4480 LOOMIS AVE COLORADO SPRINGS, CO 80906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $46 | $180 | 0.43% |
| CHRISTIAN STOUT | 7575 E 29TH PL DENVER, CO 80238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $23 | $35 | 0.08% |
| JEFFREY D HARNED | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $11 | $20 | 0.05% |
| EVOLVE INSURANCE ADVISORS | 806 GRUBBS MILL ROAD BERWYN, PA 19312 | EYEMED | $2K | — | $2K | 5.36% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | EYEMED | $1K | — | $1K | 4.23% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | EYEMED | $397 | — | $397 | 1.13% |
| CONTINENTAL BENEFITS/MARPAI | PO BOX 3610 BRANDON, FL 33509 | CONTINENTAL BENEFITS/MARPAI | $55K | — | $55K | — |
| CIGNA Filed as: CIGNA GROUP INSURANCE | PO BOX 188061 CHATTANOOGA, TN 37422 | CONTINENTAL BENEFITS/MARPAI | $37K | — | $37K | — |
| CRUMDALE PARTNERS, LLC | — | CONTINENTAL BENEFITS/MARPAI | $32K | — | $32K | — |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL BENEFITS/MARPAI | 206 | $0 |
| Dental | STANDARD INSURANCE COMPANY | 0 | $0 |
| Vision | EYEMED | 462 | $35K |
| Life insurance | MUTUAL OF OMAHA | 245 | $181K |
| Short-term disability | MUTUAL OF OMAHA | 245 | $181K |
| Long-term disability | MUTUAL OF OMAHA | 245 | $181K |
| Stop-loss / reinsurancereinsurance | EXPRESS SCRIPT | 229 | $595K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 0 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.