| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 190601213 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $146 | $9K | 8.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $51 | $5K | 4.23% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 8.58% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 5.06% |
| WILLIAMS INSURANCE AGENCY3 | PO BOX 1174 REHOBOTH BEACH, DE 19971 | HARTFORD LIFE AND ACCIDENT | -$15 | — | -$15 | -0.02% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY W STE 300 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | -$40 | — | -$40 | -0.05% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $198 | $2K | 4.53% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $147 | $1K | 2.63% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD CT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| HUDSON PLANNING GROUP INC3 | 1521 CONCORD PIKE WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $732 | $120 | $852 | 1.94% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $191 | $482 | 1.10% |
| USI INSURANCE SERVICES LLC3 | 1007 NORTH ORAGNGE STREET WILMINGTON, DE 19801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $15 | $432 | 0.98% |
| CHESAPEAKE INSURANCE ADVISORS3 | 10 CORPORATE CIR STE 215 NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | — | $355 | 0.81% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE CONCEPTS INC | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.38% |
| EMMA JEAN MORRIS3 | 7 DUDLEY DR BURLINGTON, NJ 08016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.11% |
| LISA A PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| MICHAEL J PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $155 | — | $155 | 3.95% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $145 | — | $145 | 3.69% |
| ILA C GANATRA4 | 24 AUTUMNWOOD DR NEWARK, DE 19711 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $85 | — | $85 | 2.17% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $44K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $108K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 236 | $128K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $44K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 236 | $84K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 236 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.