| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO | $17K | — | $17K | 0.97% |
| INCENTIVE SYSTEMS INC3 | 280 PENNBROOK PARKWAY LANSDALE, PA 19446 | DELTA DENTAL OF PENNSYLVANIA | $13K | — | $13K | 10.00% |
| INCENTIVE SYSTEMS INC3 Filed as: INCENTIVE SYSTEMS, INC | 280 PENNBROOK PARKWAY LANSDALE, PA 19446 | CIGNA | $13K | $4K | $17K | 20.00% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 350 5TH AVENUE NEW YORK, NY 10118 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $123 | — | $123 | 3.34% |
| JULIA GEORGE3 | 775 NJ ROUTE 70 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $90 | — | $90 | 2.45% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $20 | — | $20 | 0.54% |
| JILL DICE-MALGIER AND OTHER AGENTS3 Filed as: JILL DICE-MAIGIER | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $18 | — | $18 | 0.49% |
| MERRIDITH STANTON3 | 316 WOODLAWN TERRACE COLLINGSWOOD, NJ 08108 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $13 | — | $13 | 0.35% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $10 | — | $10 | 0.27% |
| SPENCER BARRETT3 Filed as: SPENCER M BROAD | 16 PANORANA COURT MT LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $2 | — | $2 | 0.05% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 287 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 337 | $126K |
| Life insurance | CIGNA | 151 | $87K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA | 151 | $91K |
| Long-term disability | CIGNA | 151 | $87K |
| Other | CIGNA | 151 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.