| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNER INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $50K | — | $50K | 5.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 91189 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 12.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC. | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $220 | — | $220 | 1.15% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 2.71% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 1.67% |
| JOHN C MILLIKIN3 | 325 COLUMBIA TURNPIKE FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | — | $79 | 0.82% |
| CONNIE J ZIMMERMAN3 | 2155 S WESTERN AVE SPRINGFIELD, MO 65807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.28% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.19% |
| RALPH E ZIMMERMAN3 | 248 E MONASTERY ST #237 SPRINGFIELD, MO 65810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $175 | $2K | 42.60% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK | 261 MADISON AVE 27TH FLOOR NEW YORK, NY 10016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.39% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 3.31% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 2.12% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 1.98% |
| JOHN C MILLIKIN3 | 325 COLUMBIA TURNPIKE FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.93% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.79% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 126 | $910K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 62 | $6K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 126 | $910K |
| Life insurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 126 | $910K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 124 | $19K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.