| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 9.98% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC. | 1415 MARLTON PIKE E, STE 600 CHERRY HILL, NJ 08034 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 6.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BO 416315 BOSTON, MA 02241 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.26% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS LLC | 1415 MARLTON PIKE E, STE 600 CHERRY HILL, NJ 08034 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 11.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PKWY NO. 520 SHORT HILLS, NJ 07078 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 19.71% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST, 8TH FLOOR BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.06% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC. | 1415 ROUTE 70 EAST SUITE 600 CHERRY HILL, NJ 08034 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.31% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GROUP INC. | 400 BERWYN PARK BERWYN, PA 19312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 2.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 5002 SHORT HILLS, NJ 07078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 1.87% |
| ARDENA L MCVICKER3 Filed as: ARDENA L. MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 1.85% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $146 | — | $146 | 1.49% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 Filed as: BENECHOICE ENR. SOLUTIONS | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.71% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 692 | $448K |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 692 | $448K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $346K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $336K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $346K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.