| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 1015 BRIGGS RD MT. LAUREL, NJ 08054 | HORIZON HEALTHCARE SERVICES, INC. | $15K | — | $15K | 1.17% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | HORIZON HEALTHCARE SERVICES, INC. | $13K | — | $13K | 1.08% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $4K | 5.15% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $49 | $4K | 4.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 5002 SHORT HILLS, NJ 07078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 4.51% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $385 | $2K | 1.99% |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $992 | $219 | $1K | 1.46% |
| JAMES E CRUTCHFIELD3 | 74 STONEHOUSE RD GLEN RIDGE, NJ 07028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.43% |
| MIRIAM ESPERANZA YOUNAN3 | 41 WEST 17TH ST BAYONNE, NJ 07002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | — | $470 | 0.57% |
| DONNA V WERNER3 | PO BOX 684 FOREST PARK, IL 60130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $21 | $366 | 0.44% |
| ANZA & ANZA AND ASSOCIATES3 Filed as: ANZA 7 ANZA AND ASSOCIATES | 1700 PARK AVE WEEHAWKEN, NJ 07086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $100 | $242 | 0.29% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $17 | $231 | 0.28% |
| WENDY BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.19% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | — | $147 | 0.18% |
| MICHEAL BLOCK3 | 16619 S PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $32 | $81 | 0.10% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.09% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $9 | $76 | 0.09% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $1 | $73 | 0.09% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $6 | $54 | 0.07% |
| BARBARA MOSCHELLA3 | 2 LAKE SOMERSET COURT BLUFFTON, SC 29909 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM ST MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $17 | $30 | 0.04% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| KAREN WINRICH3 | 1460 E. WHITESTONE BLVD CEDAR PARK, TX 78613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $6 | $15 | 0.02% |
| MELVINEA WILLIAMS3 | 377 S HARRISON ST E ORANGE, NJ 07018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| JAMIE A CONTRERAS-VESTAL3 Filed as: JAMIE A. CONTRERAS-VESTAL | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| GENE BISSINGER3 | 4077 SNOWGOOSE ST SIMI VALLEY, CA 93065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.01% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| BENTON J WINRICH3 Filed as: BENTON J. WINRICH | 4434 HUNTERS LODGE DR. ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| TERRI L KEESE3 | 13890 STATE HWY 95 HOLLAND, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JAMES R CLOSE3 Filed as: JAMES R. CLOSE | 142 ROUTE 23 NORTH POMPTON PLAINS, NJ 07444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PATITA M. BERTRAND3 | 3571 FAR WEST BLVD AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| GARY SHAWAH3 | 142 ROUTE 23 N POMPTON PLAINS, NJ 07444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PHYLLIS ILENE SHALLMAN3 | 1121 UNIVERSITY BLVD W SILVER SPRING, MD 20902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BILL BRUBECK3 | 8310 SUMMERWOOD DRIVE AUSTIN, TX 78759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $918 | — | $918 | 8.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 022416315 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $804 | — | $804 | 7.00% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FLOOR NEW YORK, NY 10005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | — | $382 | 6.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 10000 MIDATLANTIC DRIVE SUITE 200 EAST MOUNT LAUREL, NJ 08054 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $269 | — | $269 | 4.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F. KENNEDY PARKWAY PO BOX 520 SHORT HILLS, NJ 07078 | FLAGSHIP HEALTH SYSTEMS | $67 | — | $67 | 1.12% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 119 | $1.3M |
| Dental | FLAGSHIP HEALTH SYSTEMS | 19 | $6K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 186 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $11K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 119 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 186 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.