| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 190601213 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 10.21% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $40 | $5K | 5.14% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 8.11% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK 899 CASSATT RD STE 200 BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY W STE 300 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | $0 | -$22 | -$22 | -0.02% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 8.75% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $222 | $5K | 6.87% |
| HUDSON PLANNING GROUP INC3 | 1521 CONCORD PIKE WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.82% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LN WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $205 | $2K | 2.57% |
| SHAVON ROBERTS3 | 1826 GREMPLER WAY EDGEWOOD, MD 21040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD CT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $952 | — | $952 | 1.39% |
| CHARLES L SAULSBERY3 | PO BOX 5320 WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $259 | $808 | 1.18% |
| CHESAPEAKE INSURANCE ADVISORS3 | 10 CORPORATE CIR STE 215 NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | — | $400 | 0.58% |
| FOUNDATION RISE PARTNERS CORP3 | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.22% |
| MCO PARTNERS LLC3 | 549 BORDEN AVENUE #9J LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 0.17% |
| USI INSURANCE SERVICES LLC3 | 1007 NORTH ORAGNGE STREET WILMINGTON, DE 19801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.15% |
| FRANK A KERRIGAN3 | 1301 LITTLEFIELD PL BEL AIR, MD 21015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $5 | $99 | 0.14% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE CONCEPTS INC | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| LISA A PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MICHAEL J PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 190601213 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $574 | — | $574 | 8.58% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD TOWNSEND, DE 197349113 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $119 | — | $119 | 1.78% |
| ILA C GANATRA4 | 24 AUTUMNWOOD DR NEWARK, DE 197112447 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.57% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 58 | $69K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $104K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $104K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 303 | $163K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 58 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 303 | $95K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 303 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.