| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $34K | $8K | $42K | 5.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | $13K | $3K | $16K | 5.12% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | AFLAC | $3K | — | $3K | 4.11% |
| EIANA MARTINEZ3 | 1611 TOMAHAWK COURT VINELAND, NJ 08361 | AFLAC | $3K | — | $3K | 4.10% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $2K | $382 | $2K | 2.95% |
| DENNIS W LYNCH3 | 23 STERNER AVENUE BROOMALL, PA 19008 | AFLAC | $927 | $89 | $1K | 1.53% |
| BONNIE DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $657 | $133 | $790 | 1.19% |
| MARLEEN LIVINGSTONE3 Filed as: MARLEEN LIVINGSTON | 116 TURNER ROAD WALLINGFORD, PA 19086 | AFLAC | $379 | $212 | $591 | 0.89% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 WEST BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $248 | $190 | $438 | 0.66% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOURSE, NJ 08210 | AFLAC | $358 | — | $358 | 0.54% |
| TIMOTHY LIVINGSTONE3 Filed as: TIMOTHY LIVINGSTON | 116 TURNER ROAD WALLINGFORD, PA 19086 | AFLAC | $352 | — | $352 | 0.53% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | 50 WEST MONTROSE STREET VINELAND, NJ 08360 | AFLAC | $325 | — | $325 | 0.49% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 343 CORAL REEF WAY HARDEEVILLE, SC 29927 | AFLAC | $201 | — | $201 | 0.30% |
| ASHLEY KIEHNER3 | 107 WEST CENTENNIAL DRIVE MEDFORD, NJ 08055 | AFLAC | $167 | — | $167 | 0.25% |
| MEREDITH P CONLON3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $70 | $18 | $88 | 0.13% |
| STEPHANIE DEVITO3 | 300 POND STREET BRISTOL, PA 19007 | AFLAC | $86 | — | $86 | 0.13% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIRCLE PITTSGROVE, NJ 08318 | AFLAC | $84 | — | $84 | 0.13% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $69 | — | $69 | 0.10% |
| JOANN HARTSOCK3 | 16 ROBYN LANE DOYLESTOWN, PA 18901 | AFLAC | $67 | — | $67 | 0.10% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | PO BOX 114 NEWTONVILLE, NJ 08346 | AFLAC | $58 | — | $58 | 0.09% |
| ROSA SHALA3 Filed as: ROSA LILIANA ORTIZ | 4211 RANDY COURT MAYS LANDING, NJ 08330 | AFLAC | $49 | — | $49 | 0.07% |
| MARIA ELI NUNEZ3 | 69 LIVINGSTON STREET CLIFTON, NJ 07013 | AFLAC | $45 | — | $45 | 0.07% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $36 | — | $36 | 0.05% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LANE MALVERN, PA 19355 | AFLAC | $34 | — | $34 | 0.05% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $34 | — | $34 | 0.05% |
| JENNIFER L SAUNDERS3 | 38 LOCUST ROAD VILLAS, NC 08251 | AFLAC | $33 | — | $33 | 0.05% |
| GABRIELLE GIBSON3 | 119 SOUTH EASTON ROAD GLENSIDE, PA 19038 | AFLAC | $19 | $12 | $31 | 0.05% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $21 | — | $21 | 0.03% |
| NANCY LAPHAM3 Filed as: NANCY RUTH MITNICK | 502 DUSTY LANE LINWOOD, NJ 08221 | AFLAC | $19 | — | $19 | 0.03% |
| BARINGER ASSOCIATES INC3 | PO BOX 300 QUAKERTOWN, PA 18951 | AFLAC | $11 | — | $11 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $11 | — | $11 | 0.02% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $5 | — | $5 | 0.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | DELTA DENTAL OF PENNSYLVANIA | $5K | — | $5K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | AMERIHEALTH INSURANCE COMPANY | $1K | $344 | $2K | 3.92% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | INDEPENDENCE BLUE CROSS | — | $1K | $1K | 11.28% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 79 | $1.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 109 | $52K |
| Vision | INDEPENDENCE BLUE CROSS | 79 | $10K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 182 | $10K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 79 | $715K |
| Other(2 contracts, 2 carriers) | AFLAC | 150 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.