| 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 | $21K | $0 | $21K | 7.02% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 2.96% |
| NICHOLAS R. TAFARO3 | 1414 ROUTE 70, SUITE 403 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $0 | $33K | 12.80% |
| NICHOLAS R. TAFARO3 | 1415 ROUTE 70 EAST, SUITE 403 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.27% |
| FMLASOURCE INC5 Filed as: FMLASOURCE INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.00% |
| PAYCOM PAYROLL LLC5 | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.38% |
| CHERRY HILL BENEFITS, INC.3 | 1415 ROUTE 70 EAST, SUITE 403 CHERRY HILL, NJ 08034 | HARTFORD LIFE AND ACCIDENT | $10K | $4K | $14K | 20.22% |
| CHERRY HILL BENEFITS, INC.3 | 1415 ROUTE 70 EAST, SUITE 403 CHERRY HILL, NJ 08034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 15.00% |
| THOREAU 40 LLC4 | 108 PIEDMONT BOULEVARD WEST BERLIN, NJ 08091 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $958 | $0 | $958 | 10.10% |
| LIVING DREAMS INC.4 | 18 CHAMBORD LANE VOORHEES, NJ 08043 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $426 | $0 | $426 | 4.49% |
| DAVID SPANGLER JR.4 | 31 MARIE DRIVE QUARRYVILLE, PA 17566 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $229 | $0 | $229 | 2.41% |
| ARDENA L MCVICKER3 Filed as: ARDENA L. MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 2.17% |
| 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 | $89 | $0 | $89 | 2.05% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 1.71% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GROUP INC. | 400 BERWYN PARK BERWYN, PA 19312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 1.34% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.72% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | TELADOC | $301 | $0 | $301 | 18.05% |
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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 931 | $295K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 931 | $295K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $331K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $327K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $331K |
| Other(7 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 931 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 931 | — |
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.