| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: JAMES WARWICK AND VARIOUS AGENTS | 288 SAINT DAVID DRIVE MOUNT LAUREL, NJ 08054 | AFLAC | $551K | $81K | $632K | 12.68% |
| NRP CORPORATE SERVICES (PA), INC3 Filed as: NRP CORPOARATE SERVICES PA, INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | AFLAC | $198K | $0 | $198K | 3.97% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $100K | $0 | $100K | 2.01% |
| JEFFREY PAUL SEPESI3 | 158 PRINTER LANE NEW LONDON, NC 28127 | AFLAC | $60K | $0 | $60K | 1.21% |
| PHILLIP RAY MIRANDA3 | 6116 SWEETWATER DRIVE NW ALBUQUERQUE, NM 87120 | AFLAC | $10K | $1K | $11K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD SUITE A WOODBURY, NY 11797 | AFLAC | $159 | $0 | $159 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN | 3533 GABEL ROAD BILLINGS, MT 59102 | AFLAC | $38 | $0 | $38 | 0.00% |
| JENNIFER TRUESDALE AND OTHER AGENTS3 | 12 COGGER STREET HAMPTON, NH 03842 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176K | $0 | $176K | 5.57% |
| NRP CORPORATE SERVICES (PA), INC3 Filed as: NRP CORPOARATE SERVICES PA INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80K | $0 | $80K | 2.55% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40K | $0 | $40K | 1.28% |
| DIANE J KRENTZMAN PORTER3 Filed as: DIANE J. KRENTZMAN PORTER | 108 WATER STREET, SUITE 2A BOX 7 WATERSOWN, PA 02472 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 0.15% |
| JENNIFER HAIR3 | 1699 EAST ROY FURMAN HIGHWAY CARMICHAELS, PA 15320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.13% |
| KEVIN LORENZEN3 Filed as: KEVIN A. LORENZEN | 109 DIAMOND TAIL ROAD PLACITAS, NM 87043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 0.11% |
| MICHELLE BROSKEY3 Filed as: MICHELLE M. BROSKEY | 9 BELLWOOD DRIVE TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.11% |
| NRP CORPORATE SERVICES (PA), INC3 Filed as: NRP CORPOARATE SERVICES PA INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | SYMETRA LIFE INSURANCE COMPANY | $84K | $80K | $164K | 7.47% |
| NRP CORPORATE SERVICES (PA), INC3 Filed as: NRP CORPOARATE SERVICES | UNKNOWN WARRINGTON, PA 18976 | SIRIUS AMERICA INSURANCE COMPANY | $17K | $0 | $17K | 2.47% |
| PERRYVILLE MARKETING ASSOCIATES LLC3 Filed as: PERRYVILLE MARKETING ASSOICATES LLC | PO BOX 171 REHOBETH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.94% |
| THOMAS HETZEL3 | 45 PARTRIDGE WAY NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.40% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $566 | $0 | $566 | 0.95% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL S. OBERLANDER | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $275 | $0 | $275 | 0.46% |
| MJ INSURANCE3 Filed as: JANET NICKERSON AND VARIOUS AGENTS | 1835 CAMDEN AVENUE LOS ANGELES, CA 90025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | $0 | $211 | 0.35% |
| DB INSURANCE INC3 Filed as: DB INSURANCE INC. | 23 FRANKLIN STREET SALEM, MA 01970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $160 | $33 | $193 | 0.32% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.13% |
| NRP CORPORATE SERVICES (PA), INC3 Filed as: NRP CORPOARATE SERVICES PA INC. | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | HARTFORD LIFE AND ACCIDENT | $497 | $0 | $497 | 5.00% |
| MJ INSURANCE3 Filed as: SHARON L. RENAUD AND VARIOUS AGENTS | 75 CARNEY DRIVE CARNEY POINT, NJ 08069 | AFLAC | $335 | $0 | $335 | 4.67% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $140 | $0 | $140 | 1.95% |
| JOSEPH RYNCAVAGE3 Filed as: JOSEPH RYNCVAGE | 140 MAIN STREET KINGSTON, PA 18704 | AFLAC | $80 | $0 | $80 | 1.11% |
| ARTHUR B GOLDBERG3 Filed as: ARTHUR B. GOLDBERG | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $73 | $0 | $73 | 1.02% |
| LISA CARNEY3 Filed as: LISA A. CARNEY | 190 NORTH EVERGREEN AVENUE SUITE 206 WOODBURY, NJ 08096 | AFLAC | $47 | $0 | $47 | 0.65% |
| COLIN SPENCER3 | 25 TUPELO COURT BLUFFTON, SC 29909 | AFLAC | $33 | $0 | $33 | 0.46% |
| CHRISTIOPHER LYONS3 | 15 GLENDALE LANE FAIRFIELD, NJ 07004 | AFLAC | $32 | $0 | $32 | 0.45% |
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 | 24,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 372 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 8 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 24,122 | $7.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2 | $24K |
| Vision | AETNA LIFE INSURANCE COMPANY | 2 | $24K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 25,182 | $2.2M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,120 | $3.2M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 25,182 | $2.2M |
| Prescription drug(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 431 | $3.6M |
| Other(5 contracts, 4 carriers) | AFLAC | 30,807 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,807 | — |
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."
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.