| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RITTENHOUSE BENEFITS LLC3 | 1800 JFK BLVD STE 300 PHILADELPHIA, PA 19103 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $37K | $44K | 5.46% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT RD STE 200 - 400 BERWYN PARK BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $19K | $27K | 3.42% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | GEISINGER QUALITY OPTIONS INC. | $989 | $23 | $1K | 2.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 FELLOWSHIP RD STE 201 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 FELLOWSHIP RD STE 201 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 14.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 FELLOWSHIP RD STE 201 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 FELLOWSHIP RD STE 201 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.38% |
| RITTENHOUSE BENEFITS LLC3 | 1800 JFK BLVD SUITE 300 PHILADELPHIA, PA 19103 | FIDELITY SECURITY LIFE INSURANCE CO. | $877 | $0 | $877 | 15.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 FELLOWSHIP RD STE 201 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | $0 | $347 | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 501 FELLOWSHIP RD STE 201 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $0 | $89 | 14.93% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $836K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $802K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $24K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $29K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $17K |
| Other(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE CO. | 176 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.