| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 | 32 OLD SLIP 17TH FL NEW YORK, NY 10005 | HORIZON HEALTHCARE SERVICES, INC. | $26K | — | $26K | 2.24% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $11K | $15K | 17.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 5002 SHORT HILLS, NJ 07078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.82% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $14 | $1K | 1.65% |
| JAQUIYA HAMMIEL TURNER3 | 1720 NEW YORK AVE UNION CITY, NJ 07087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $631 | $88 | $719 | 0.81% |
| DONALD MORRIS SCHULER3 | 963 HUNT DRIVE YARDLEY, PA 19067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $623 | — | $623 | 0.70% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | $1 | $521 | 0.59% |
| MIRIAM ESPERANZA YOUNAN3 | 41 WEST 17TH ST BAYONNE, NJ 07002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | $16 | $451 | 0.51% |
| MARVIN COBLE3 | 525 NEW BRUNSWICK RD SOMERSET, NJ 08873 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 0.28% |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $6 | $189 | 0.21% |
| LISA G WAINER3 | 1025 VERBENA DRIVE AUSTIN, TX 78750 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 0.21% |
| GENE BISSINGER3 | 4077 SNOWGOOSE ST SIMI VALLEY, CA 93065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $1 | $181 | 0.20% |
| NASH SUAREZ ROTTER3 | 31 NORTH MAPLE AVE MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.18% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.13% |
| WENDY BIEL3 | 1257 CROSSBOW COURT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.13% |
| JAMES E CRUTCHFIELD3 | 74 STONEHOUSE RD GLEN RIDGE, NJ 07028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.11% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.09% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.08% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $18 | $65 | 0.07% |
| RAUHN TURNER3 | 1720 NEW YORK AVE UNION CITY, NJ 07087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.05% |
| SA GENERAL AGENCY INC3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $31 | $42 | 0.05% |
| EVELYN GARCIA3 Filed as: EVELYN HILDEGARD BLAKELY | 4211 MANGROVE CAVE CT ROUND ROCK, TX 78681 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.04% |
| DONNA V WERNER3 | PO BOX 684 FOREST PARK, IL 60130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON ST FILLMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $4 | $29 | 0.03% |
| ANZA & ANZA AND ASSOCIATES3 | 1700 PARK AVE WEEHAWKEN, NJ 07086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $13 | $28 | 0.03% |
| KAREN WINRICH3 | 1460 E. WHITESTONE BLVD CEDAR PARK, TX 78613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $11 | $26 | 0.03% |
| TIMOTHY J REED3 Filed as: TIMOTHY REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $11 | $23 | 0.03% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $9 | $21 | 0.02% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| MICHEAL BLOCK3 | 16619 S PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.01% |
| 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% |
| DAVID TODD WEINSTEIN3 | 601 W JACKSON BLVD UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.01% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BENTON J WINRICH3 Filed as: BENTON J. WINRICH | 4434 HUNTERS LODGE DR. ROUND ROCK, 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% |
| BARBARA MOSCHELLA3 | 2 LAKE SOMERSET COURT BLUFFTON, SC 29909 | 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% |
| THE WORKSIGHT GROUP LLC3 | 6 ELM ST MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PATITA M. BERTRAND3 | 3571 FAR WEST BLVD AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | $1K | — | $1K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | FLAGSHIP HEALTH SYSTEMS | $327 | — | $327 | 4.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $689 | $27 | $716 | 9.66% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 115 | $1.1M |
| Dental | FLAGSHIP HEALTH SYSTEMS | 27 | $8K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $96K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23 | $9K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 115 | $1.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 169 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.