| 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 | $23K | $41K | 22.43% |
| JOHN ROBERT DIMARTINO | 65 MECHANIC STREET RED BANK, NJ 07701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.64% |
| JULIA GEORGE | 123 WINCHESTER ROAD MARION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $14 | $1K | 3.20% |
| LISA A PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $138 | $558 | 1.48% |
| LAUREN ASHLEY PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | $70 | $532 | 1.41% |
| TAYLOR LEIGH PERRI | 100 MOUNTAINVIEW ROAD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $391 | $67 | $458 | 1.22% |
| MICHAEL J PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | $94 | $302 | 0.80% |
| MORGAN PERRI | 23 VOM ELGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $137 | $13 | $150 | 0.40% |
| BILODEAU INC | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.12% |
| DESIRAE OLSON-HEIBERGER | 4480 LOOMIS AVE COLORADO SPRINGS, CA 80908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EYEMED | $2K | — | $2K | 5.04% |
| ELITE BROKERAGE SERVICES, INC. Filed as: ELITE BROKERAGE SERVICES, LLC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | EYEMED | $1K | — | $1K | 3.69% |
| EVOLVE INSURANCE ADVISORS | 806 GRUBBS MILL ROAD BERWYN, PA 19312 | EYEMED | $485 | — | $485 | 1.36% |
| CONTINENTAL BENEFITS/MARPAI | PO BOX 3610 BRANDON, FL 33509 | CONTINENTAL BENEFITS/MARPAI | $54K | — | $54K | — |
| CIGNA Filed as: CIGNA GROUP INSURANCE | PO BOX 188061 CHATTANOOGA, TN 36668 | CONTINENTAL BENEFITS/MARPAI | $37K | — | $37K | — |
| CRUMDALE PARTNERS, LLC | 806 GRUBBS MILL RD BERWYN, PA 19312 | CONTINENTAL BENEFITS/MARPAI | $31K | — | $31K | — |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL BENEFITS/MARPAI | 199 | $0 |
| Dental | STANDARD INSURANCE COMPANY | 190 | $0 |
| Vision | EYEMED | 406 | $36K |
| Life insurance | MUTUAL OF OMAHA | 203 | $183K |
| Short-term disability | MUTUAL OF OMAHA | 203 | $183K |
| Long-term disability | MUTUAL OF OMAHA | 203 | $183K |
| Stop-loss / reinsurancereinsurance | EXPRESS SCRIPT | 173 | $582K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.