| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $14K | — | $14K | 0.78% |
| ASSUREDPARTNERS Filed as: EMERSON, ROGERS LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $9K | — | $9K | 0.51% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | AETNA | $3K | — | $3K | 0.18% |
| KISTLER TIFFANY BENEFITS Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK 899, CASSATT RD, BERWYN, PA 19312 | AETNA | $1K | — | $1K | 0.08% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK 899, CASSATT RD, BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 8.55% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 4.96% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.97% |
| ASSUREDPARTNERS2 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY STE 300 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.49% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | VISION SERVICE PLAN | $543 | — | $543 | 4.60% |
| KISTLER TIFFANY BENEFITS Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $236 | — | $236 | 2.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $802 | $107 | $909 | 11.63% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $382 | $382 | 4.89% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $344 | — | $344 | 4.40% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $115 | $115 | 1.47% |
| LEON MARTIN Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST, STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 1.16% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H. | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 0.83% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK, UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 0.83% |
| MCCLELLAN, DAVID J Filed as: MCCLELLAN, DAVID, JOEL | 114 ROTAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.79% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.76% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.32% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H. | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 1.41% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK, UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 1.41% |
| KISTLER TIFFANY BENEFITS Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK 899, SUITE 200 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.64% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.55% |
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 | 384 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 243 | $1.9M |
| Dental | AETNA | 243 | $1.9M |
| Vision | VISION SERVICE PLAN | 136 | $12K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 384 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 384 | $95K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 384 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.