| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 0.46% |
| JULIA GEORGE3 Filed as: JULIA M. GEORGE | 123 WINCHESTER RD. MERION STATION, PA 19066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.95% |
| ELIZABETH GEORGIA3 | 4417 DRIFTWOOD DR. PHILADELPHIA, PA 19129 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.95% |
| JULIA GEORGE3 Filed as: JULIA M. GEORGE | 123 WINCHESTER RD. MERION STATION, PA 19066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.32% |
| ELIZABETH GEORGIA3 | 4417 DRIFTWOOD DR. PHILADELPHIA, PA 19129 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.32% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 32.22% |
| LISA A PERRI3 Filed as: LISA A. PERRI | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 16.11% |
| MORGAN PERRI3 | 23 VOM EIGEN DR. MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $439 | $4K | 14.81% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $828 | $2K | 6.93% |
| JULIA GEORGE3 Filed as: JULIA M. GEORGE | 123 WINCHESTER RD. MERION STATION, PA 19066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.93% |
| ELIZABETH GEORGIA3 | 4417 DRIFTWOOD DR. PHILADELPHIA, PA 19129 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.93% |
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 | 415 | 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) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 415 | $3.2M |
| Dental | AETNA LIFE INSURANCE CO. | 415 | $3.2M |
| Vision | AETNA LIFE INSURANCE CO. | 415 | $3.2M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $80K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 86 | $50K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.