| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS R. TAFARO3 | 1415 ROUTE 70 EAST, SUITE 403 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97K | $10K | $107K | 17.77% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.48% |
| PAYCOM PAYROLL LLC5 | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.02% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 7.35% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC. | 1415 ROUTE 70 EAST, SUITE 600 CHERRY HILL, NJ 08034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 13.53% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC. | 1415 ROUTE 70 EAST, SUITE 600 CHERRY HILL, NJ 08034 | HEALTHIEST YOU | $8K | $0 | $8K | 15.00% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC. | 1415 MARLTON PIKE E, SUITE 403 CHERRY HILL, NJ 08034 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 8.64% |
| CHERRY HILL BENEFITS, INC.3 Filed as: CHERRY HILL BENEFITS INC. | 1415 MARLTON PIKE E, SUITE 600 CHERRY HILL, NJ 08034 | METLIFE LEGAL PLANS | $274 | $0 | $274 | 1.36% |
| ARDENA L MCVICKER3 Filed as: ARDENA MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 1.81% |
| 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 | $70 | $0 | $70 | 1.69% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 1.47% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK BERWYN, PA 19312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 1.30% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.63% |
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 | 532 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 687 | $566K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 687 | $566K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $606K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $602K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $606K |
| Other(6 contracts, 6 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 687 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.