| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARPAI HEALTH | PO BOX 3610 BRANDON, FL 33509 | MARPAI/CIGNA | $39K | — | $39K | 7.10% |
| CIGNA | PO BOX 188061 CHATTANOOGA, TN 36668 | MARPAI/CIGNA | $26K | — | $26K | 4.73% |
| CRUMDALE PARTNERS, LLC | 806 GRUBBS MILL RD BERWYN, PA 19312 | MARPAI/CIGNA | $25K | — | $25K | 4.61% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $18K | $6K | $24K | 20.04% |
| JOHN ROBERT DIMARTINO | 65 MECHANIC ST STE 106 RED BANK, NJ 07701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $638 | — | $638 | 2.29% |
| JULIA GEORGE | 4314 TERRACE ST PHILADELPHIA, PA 19128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $541 | — | $541 | 1.95% |
| LAUREN ASHLEY PERRI | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $9 | $268 | 0.96% |
| LISA A PERRI | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $20 | $226 | 0.81% |
| MICHAEL J PERRI | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $11 | $92 | 0.33% |
| TAYLOR LEIGH PERRI | 100 MOUNTAINVIEW RD MOUNT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $7 | $91 | 0.33% |
| MORGAN PERRI | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.21% |
| BILODEAU INC | 1005 ROLLINGWOOD LN GOSHEN, KY 40026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.08% |
| ELITE BROKERAGE SERVICES, INC. Filed as: ELITE BROKERAGE SERVICES, LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | EYEMED | $1K | — | $1K | 4.95% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MARPAI/CIGNA | 141 | $545K |
| Vision | EYEMED | 294 | $27K |
| Life insurance | GUARDIAN | 145 | $119K |
| Short-term disability | GUARDIAN | 145 | $119K |
| Long-term disability | GUARDIAN | 145 | $119K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.