| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | GUARDIAN | $26K | — | $26K | 14.54% |
| JOHN ROBERT DIMARTINO | 65 MECHANIC ST STE 106 RED BANK, NJ 07701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.25% |
| JULIA GEORGE | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $875 | — | $875 | 2.72% |
| LAUREN ASHLEY PERRI | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $24 | $374 | 1.16% |
| LISA A PERRI | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $57 | $344 | 1.07% |
| TAYLOR LEIGH PERRI | 100 MOUNTAINVIEW RD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $23 | $224 | 0.70% |
| MICHAEL J PERRI | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $48 | $180 | 0.56% |
| MORGAN PERRI | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.21% |
| BILODEAU INC | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.10% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EYEMED | $967 | — | $967 | 3.04% |
| ELITE BROKERAGE SERVICES, INC. Filed as: ELITE BROKERAGE SERVICES, LLC | 3809 WEST CHESTER PIKE NEWTOWN SQUARE, PA 19073 | EYEMED | $819 | — | $819 | 2.57% |
| ELITE BROKERAGE SERVICES, INC. Filed as: ELITE BROKERAGE SERVICES, LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | EYEMED | $768 | — | $768 | 2.41% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC - NEW YORK, NY | 1787 SENTRY PKWY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EYEMED | $643 | — | $643 | 2.02% |
| MARPAI HEALTH Filed as: MARPAI | PO BOX 3610 BRANDON, FL 33509 | MARPAI | $46K | — | $46K | — |
| CIGNA Filed as: CIGNA GROUP INSURANCE | PO BOX 188061 CHATTANOOGA, TN 36668 | MARPAI | $31K | — | $31K | — |
| CRUMDALE PARTNERS, LLC | 806 GRUBBS MILL RD BERWYN, PA 19312 | MARPAI | — | — | $0 | — |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MARPAI | 165 | $0 |
| Vision | EYEMED | 371 | $32K |
| Life insurance | GUARDIAN | 217 | $180K |
| Short-term disability | GUARDIAN | 217 | $180K |
| Long-term disability | GUARDIAN | 217 | $180K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.