| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $7K | $3K | $10K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $358 | $358 | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $217 | $217 | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $151 | $151 | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $162 | $162 | 2.38% |
| RITTENHOUSE BENEFITS LLC3 | 1800 JFK BLVD. SUITE 300 PHILADELPHIA, PA 19103 | FIDELITY SECURITY LIFE INSURANCE CO. | $194 | $0 | $194 | 5.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $29 | $29 | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7 | $7 | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RITTENHOUSE BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 1800 JFK BLVD SUITE 300 PHILADELPHIA, PA 19103 | $49K |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 245 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 245 | $1.2M |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $15K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $18K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $11K |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.