| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 6.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 7.80% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | — | $614 | 1.53% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $305 | $0 | $305 | 0.76% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $0 | $213 | 0.53% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 0.31% |
| PAUL E KOEHLER3 | 472 RUTH ROAD ARNOLD, MD 21012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.14% |
| MICHAEL J MCLAUGHLIN3 | 43 COLONIAL AVENUE COLONIAL BEACH, VA 22443 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.13% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.11% |
| GREG W WOOLLEY3 Filed as: GREG W WOOLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.10% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.09% |
| ROBERT E PAGANI3 | 10840 SUNSET HILLS DRIVE RICHMOND, VA 23236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.09% |
| LENA KENNEDY-DALE3 | 3520 CORNELL ROAD FAIRFAX CITY, VA 22030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| BARBARA BAROS3 Filed as: BARBARA B CARDELLICHIO | 3510 WISTERIA WAY COURT FAIRFAX, VA 22033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.04% |
| RONALD R PILAND3 | 105 RENS ROAD POQUOSON, VA 23662 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| JAMES P ROWLEY3 | 2 BRANDYWINE COURT WASHINGTON CROSSING, PA 18977 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| MARGARET F. GORMAN3 Filed as: MARGARET F GORMAN | 2418 N OTTAWA STREET ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| 1 STOP BENEFITS INC3 | 1546 OLD FARM COURT YARDLEY, PA 19067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| LAWRENCE KROPP3 | 8800 BOSLEY ROAD ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | P.O. BOX 905494 CHARLOTTE, NC 282905494 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $225 | $0 | $225 | 4.01% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $146K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $111K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 293 | $79K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 293 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.