| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $523 | $2K | 5.66% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | C/O KT ANCILLARY SERVICES 700 E GATE DR STE 115 MOUNT LAUREL, NJ 080543803 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.44% |
| KISTLER TIFFANY BENEFITS3 | GENERAL AGENCY LLC 899 CASSATT RD BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $489 | — | $489 | 1.37% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $288 | $13 | $301 | 0.84% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 700 E GATE DR STE 115 MOUNT LAUREL, NJ 08054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 18.00% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE E STE 300 CHERRY HILL, NE 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.79% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 700 E GATE DR STE 115 MOUNT LAUREL, NJ 08054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.16% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 700 E GATE DR STE 115 MOUNT LAUREL, NJ 08054 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $704 | $704 | 7.27% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 700 E GATE DR STE 115 MOUNT LAUREL, NJ 08054 | UNITEDHEALTHCARE INSURANCE COMPANY | $273 | — | $273 | 6.18% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $206 | — | $206 | 4.66% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 106 | $36K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 40 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $15K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.