| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $40K | — | $40K | 4.13% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $33K | — | $33K | 8.44% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 10.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | AFLAC | $3K | — | $3K | 4.90% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $2K | — | $2K | 3.38% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK COURT VINELAND, NJ 08361 | AFLAC | $1K | — | $1K | 2.12% |
| LAUREN COLLEEN GUDONIS3 | 7912 LISTER STREET PHILADELPHIA, PA 19152 | AFLAC | $887 | — | $887 | 1.70% |
| BONNIE H DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $791 | — | $791 | 1.52% |
| MEREDITH P CONLON3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $424 | — | $424 | 0.81% |
| WILLIAM BRUCE SCHREIBER3 | 2370 YORK ROAD SUITE D3 JAMISON, PA 18929 | AFLAC | $233 | — | $233 | 0.45% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $117 | — | $117 | 0.22% |
| KEVIN M JESTER3 | 108 MALLORY LANE OXFORD, PA 19363 | AFLAC | $87 | — | $87 | 0.17% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 434 HIGH WATER DRIVE HARDEEVILLE, SC 29927 | AFLAC | $86 | — | $86 | 0.17% |
| MEGAN DANCE3 | 8735 170TH AVENUE NORTHWEST ANOKA, MN 55303 | AFLAC | $84 | — | $84 | 0.16% |
| MARLEEN LIVINGSTONE3 | 116 TURNER ROAD WALLINGFORD, PA 19086 | AFLAC | $81 | — | $81 | 0.16% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1756 MIDDLE TOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $64 | — | $64 | 0.12% |
| ASHLEY KIEHNER3 Filed as: ASHLEY FRANCES KIEHNER | 434 HIGH WATER DRIVE HARDEEVILLE, SC 29927 | AFLAC | $37 | — | $37 | 0.07% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIRCLE PITTSGROVE, NJ 08318 | AFLAC | $31 | — | $31 | 0.06% |
| ROSA SHALA3 Filed as: ROSA LILIANA ORTIZ | 4211 RANDY COURT MAYS LANDING, NJ 08330 | AFLAC | $27 | — | $27 | 0.05% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | PO BOX 114 NEWTONVILLE, NJ 08346 | AFLAC | $25 | — | $25 | 0.05% |
| STEPHANIE DEVITO3 | 300 POND STREET BRISTOL, PA 19007 | AFLAC | $23 | — | $23 | 0.04% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $21 | — | $21 | 0.04% |
| MARIA ELI NUNEZ3 | 203 PICO COURT MAYS LANDING, NJ 08330 | AFLAC | $20 | — | $20 | 0.04% |
| JOANN HARTSOCK3 | 16 ROBYN LANE DOYLESTOWN, PA 18901 | AFLAC | $18 | — | $18 | 0.03% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $16 | — | $16 | 0.03% |
| ADAM DANIEL LEVINE3 | 2352 SLATER HILL LANE EAST YORK, PA 17406 | AFLAC | $13 | — | $13 | 0.02% |
| NANCY LAPHAM3 Filed as: NANCY RUTH MITNICK | 501 DUSTY LANE LINWOOD, NJ 08221 | AFLAC | $12 | — | $12 | 0.02% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $10 | — | $10 | 0.02% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $9 | — | $9 | 0.02% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $7 | — | $7 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $4 | — | $4 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER BENEFITS GENERAL AGENCY LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERIHEALTH INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.50% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.58% |
| CREATIVE BENEFITS, INC.3 | 3809 WEST CHESTER PIKE SUITE 190 NEWTOSN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $45 | — | $45 | 0.31% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 86 | $1.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 120 | $71K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 103 | $14K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 169 | $31K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 86 | $66K |
| Other(3 contracts, 3 carriers) | AFLAC | 175 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.