| 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 | AMERIHEALTH INSURANCE COMPANY | $59K | — | $59K | 5.29% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COPPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AMERIHEALTH INSURANCE COMPANY | $57 | — | $57 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 11.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, LLC | 3330 BARGAINTOWN ROAD, SUITE 2 EGG HARBOR TWP, NJ 08234 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $749 | — | $749 | 9.34% |
| JENNIFER L SAUNDERS3 | PO BOX 76 VILLAS, NJ 08251 | AFLAC | $86 | — | $86 | 2.96% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $43 | — | $43 | 1.48% |
| BERNADETTE E BLACKSTOCK3 | 305 FIRETHORNE CT SEWELL, NJ 08080 | AFLAC | $31 | — | $31 | 1.07% |
| CAROLYN E MORRISON3 | 118 WOODSIDE RD LEXINGTON, NJ 29072 | AFLAC | $23 | — | $23 | 0.79% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $22 | — | $22 | 0.76% |
| ANDREW PARRA3 | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $16 | — | $16 | 0.55% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $12 | — | $12 | 0.41% |
| DARLENE S DILLON3 | 120 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $11 | — | $11 | 0.38% |
| DOROTHY M PARRA3 | 2223 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $11 | — | $11 | 0.38% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $3 | — | $3 | 0.10% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $2 | — | $2 | 0.07% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $2 | — | $2 | 0.07% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $1 | — | $1 | 0.03% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 106 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 108 | $40K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 111 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $60K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $60K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 106 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
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.