| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.12% |
| IFS BENEFITS LLC3 | 1523 CONCORD PIKE WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.95% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $372 | $2K | 2.89% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL VOLUNTARY BENEFIT SERVICES | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $88 | $2K | 2.46% |
| MORGAN PERRI3 | 23 VOM EIGEN DR MORRISTOWN, NJ 07960 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $219 | $2K | 2.43% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $582 | $479 | $1K | 1.38% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | $229 | $670 | 0.87% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $532 | $20 | $552 | 0.72% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | $116 | $364 | 0.47% |
| JULIA GEORGE3 | 123 WINCHESTER ROAD MERION STATION, PA 19066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 0.32% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.20% |
| DARLENE BLAASCH3 | 1758 RED CEDAR LN ROCKHILL, SC 29732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.10% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | GUARDIAN | — | $588 | $588 | 0.77% |
| TERRIANN PROCIDA3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101 A FOSTER ROAD MORRESTOWN, NJ 08057 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.75% |
| IFS BENEFITS LLC3 | 200 CONTENENTAL DRIVE NEWARK, DE 19713 | AETNA LIFE INSURANCE COMPANY | $59 | — | $59 | 0.38% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 167 | $76K |
| Vision | AETNA LIFE INSURANCE COMPANY | 232 | $16K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 253 | $10K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 118 | $77K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $19K |
| Stop-loss / reinsurancereinsurance | XCHANGE BENEFITS LLC | 153 | $245K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 253 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.