| 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 | $47K | — | $47K | 5.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | PO BOX 102159 PASADENA, CA 91189 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 14.96% |
| MICHAEL J PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 2.74% |
| LISA A PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | — | $172 | 1.64% |
| JOHN C MILLIKIN3 Filed as: JOHN C MILIKIN | 325 COLUMBIA TPKE STE 106 FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROOUP PLANS INC | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.83% |
| CONNIE J ZIMMERMAN3 | 2155 S WESTERN AVE SPRINGFIELD, MO 65807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.34% |
| RANDY KOEHN3 Filed as: RANDY J KOEHN | 16174 S BROOFIELD ST OLATHE, KS 66062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.21% |
| LAUREN ASHLEY PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.19% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $58 | $3K | 36.76% |
| 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 | $24 | — | $24 | 0.28% |
| MICHAEL J PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 3.43% |
| LISA A PERRI3 | 775 ROUTE 70 STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.97% |
| JOHN C MILLIKIN3 Filed as: JOHN C MILIKIN | 325 COLUMBIA TPKE STE 106 FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.60% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.92% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 111 | $888K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 63 | $9K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 111 | $888K |
| Life insurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 111 | $888K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 122 | $20K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 63 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.