| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | GUARDIAN | $13K | $5K | $18K | 19.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $5K | — | $5K | 5.00% |
| DOMINIC A MORRONE3 Filed as: DOMINIC A. MORRONE | ADVANTAGE BENEFIT CONCEPTS 900 RT 168, SUITE A1 TURNERSVILLE, NJ 08012 | VISION SERVICE PLAN | $775 | — | $775 | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AITHER HEALTH LLC EIN 84-2273042 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $16K |
| DOMINIC MORRONE EIN 45-3601219 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $10K |
| SUFFOLK ADMINISTRATIVE SERVICES EIN 66-0833161 LEGAL ADMIN | Legal Service code 29 | — | $6K |
| CBIZ BENEFITS & INSURANCE EIN 31-1582098 GENERAL AGENT | Insurance brokerage commissions and fees Service code 53 | — | $4K |
| APS EIN 82-4898126 UNKNOWN | Other fees Service code 99 | — | $2K |
| SECURE HEALTH EIN 84-2273042 MEDICAL MGMT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $2K |
| DOCTEGRITY EIN 87-2698820 UNKNOWN | Other fees Service code 99 | — | $2K |
| PHCS EIN 13-3068979 NETWORK PROVIDER | Insurance services Service code 23 | — | $2K |
| PAYER COMPASS EIN 46-2047081 COST CONTAINMENT PARTNER | Other fees Service code 99 | — | $1K |
| RICK SOLOFSKY EIN 20-1486157 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $676 |
| WORLD CARE EIN 36-4032638 UNKNOWN | Other fees Service code 99 | — | $676 |
| AEGIS EIN 43-7017740 UNKNOWN | Other fees Service code 99 | — | $558 |
| 27 MICHELE LLC DBA 27M ADVISORY EIN 84-2549621 UNKNOWN | Other fees Service code 99 | — | $270 |
| MJ SALES END POINT LOCK EIN 54-1206590 UNKNOWN | Other fees Service code 99 | — | $270 |
| PERK PLANS EIN 82-2551873 UNKNOWN | Other fees Service code 99 | — | $169 |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 215 | $93K |
| Vision | VISION SERVICE PLAN | 220 | $11K |
| Life insurance | GUARDIAN | 215 | $93K |
| Other | GUARDIAN | 215 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 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.