| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | — | INDEPENDENCE BLUE CROSS | $35K | — | $35K | 3.93% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $13K | $2K | $15K | 1.67% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | — | INDEPENDENCE BLUE CROSS | $13K | — | $13K | 3.56% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $5K | $388 | $6K | 1.56% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | — | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 10.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | AFLAC | $3K | — | $3K | 5.98% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $2K | $279 | $3K | 5.09% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK COURT VINELAND, NJ 08361 | AFLAC | $1K | — | $1K | 2.64% |
| LAUREN COLLEEN GUDONIS3 | 7912 LISTER STREET PHILADELPHIA, PA 19152 | AFLAC | $925 | $15 | $940 | 1.85% |
| BONNIE H DROBNES3 | 118 BEAUMONT PLACE LOWER GWYNEDD, PA 19002 | AFLAC | $815 | $65 | $880 | 1.74% |
| MEGAN DANCEL3 | 25261 LARCH STREET NORTHWEST ISANTI, MN 55040 | AFLAC | $150 | $50 | $200 | 0.39% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $146 | — | $146 | 0.29% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 434 HIGH WATER DRIVE HARDEEVILLE, SC 29927 | AFLAC | $109 | — | $109 | 0.21% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | PO BOX 114 NEWTONVILLE, NJ 08346 | AFLAC | $108 | — | $108 | 0.21% |
| MARLEEN LIVINGSTONE3 | 116 TURNER ROAD WALLINFORD, PA 19086 | AFLAC | $82 | — | $82 | 0.16% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 WEST BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $70 | — | $70 | 0.14% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIRCLE PITTSGROVE, NJ 08318 | AFLAC | $43 | — | $43 | 0.08% |
| MARIA ELI NUNEZ3 | 69 LIVINGSTON STREET CLIFTON, NJ 07013 | AFLAC | $38 | — | $38 | 0.07% |
| ASHLEY KIEHNER3 | 174 TOPSIDE EAST HARDEEVILLE, SC 29927 | AFLAC | $37 | — | $37 | 0.07% |
| MEREDITH P CONLON3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $36 | — | $36 | 0.07% |
| ROSA LILANA ORTIZ3 | 4211 RANDY COURT MAYS LANDING, NJ 08330 | AFLAC | $35 | — | $35 | 0.07% |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $29 | — | $29 | 0.06% |
| STEPHANIE DEVITO3 | 300 POND STREET BRISTOL, PA 19007 | AFLAC | $23 | — | $23 | 0.05% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $22 | — | $22 | 0.04% |
| JOANN HARTSOCK3 | 16 ROBYN LANE DOYLESTOWN, PA 18901 | AFLAC | $18 | — | $18 | 0.04% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $10 | — | $10 | 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% |
| NANCY LAPHAM3 Filed as: NANCY RUTH MITNICK | 501 DUSTY LANE LINWOOD, NJ 08221 | AFLAC | $5 | — | $5 | 0.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $5 | — | $5 | 0.01% |
| GABRIELLE GIBSON3 | 119 SOUTH EASTON ROAD GLENSIDE, PR 19038 | AFLAC | $2 | — | $2 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | CREATIVE BENEFITS INC NEWTOWN SQUARE, PA 19073 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC. -NEWTOWN SQ | 3809 WEST CHESTER PK SUITE 190 NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $288 | — | $288 | 10.00% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 83 | $1.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 115 | $62K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 162 | $3K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 183 | $11K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 83 | $890K |
| Other(2 contracts, 2 carriers) | AFLAC | 175 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.