| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 080437108 | METROPOLITAN LIFE INSURANCE COMPANY | $327K | $13 | $327K | 5.64% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 080434161 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $29K | $29K | $57K | 20.00% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 080434161 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $10K | $20K | $30K | 15.00% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 080437108 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $9K | $14K | $23K | 25.00% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER RD STE 400 RIDGEFIELD PARK, NJ 07660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $885 | $10K | 18.23% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $287 | $616 | 1.16% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NY 12590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 0.81% |
| CLARICE D LEWIS LLC3 | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 0.24% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.12% |
| ALFRED SANFORD3 | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.08% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.08% |
| THE GRANT AGENCY INC3 Filed as: THE GRANT AGCY INC | PO BOX 41544 JACKSONVILLE, FL 32203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.05% |
| JENNIFER GRIGGS3 | 101 JULIE LANE BRINKLEY, AR 72021 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| YESENIA A SANCHEZ3 | 1021 DELRIDGE AVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| SHELTON BENEFITS LLC3 | PO BOX 555 ELBERTA, AL 36530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| ERIK SHAWN SKOLNIK3 | 4872 WATERWITCH POINT DRIVE ORLANDO, FL 32806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| WENDY ELIZABETH WESOLOWSKI3 | 1284 N 12TH AVE PENSACOLA, FL 32503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JOSEPH DIFUCCIA3 | 5019 TRAMARLAC LN ERIE, PA 16505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| PAUL STANLEY JR3 | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ROBERT W SABOL3 | 24 STEVENSON AVE CORTLANDT MANOR, NY 10567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BRENDA K COX3 | 1039 SPRINGWAY DRIVE SHELBYVILLE, IN 46176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CHOICE BENEFITS SOLUTIONS LLC3 Filed as: CHOICE BENEFITS SOLUTIONS | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIAVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRISTINE L COURTNEY3 | 24392 OAKWOOD PARK RD ST MICHAELS, MD 21663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SALUS GROUP3 | 38233 MOUND ROAD STERLING HEIGHTS, MI 48310 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $270 | — | $270 | 11.69% |
| LIFETIME FINANCIAL GROWTH OF MICHIG3 | 29800 TELEGRAPH RD SOUTHFIELD, MI 48034 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.13% |
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 | 63,690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 63,710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 71,958 | $5.9M |
| Other(5 contracts, 3 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 58,569 | $596K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71,958 | — |
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.