| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERIHEALTH HMO, INC. | $12K | $5K | $16K | 4.73% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH HMO, INC. | $5K | $2K | $7K | 2.01% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERIHEALTH INS. CO. | $11K | $4K | $15K | 4.61% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH INS. CO. | $6K | $2K | $8K | 2.30% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS | OF CHERRY HILL 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 080342483 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $8K | $28K | 23.45% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERIHEALTH INS. CO. | $3K | $19 | $3K | 3.26% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH INS. CO. | $1K | $508 | $2K | 2.30% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $472 | — | $472 | 5.79% |
| DENNIS E LEWIS3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $153 | — | $153 | 1.88% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $65 | — | $65 | 0.80% |
| JASON M ROBERTSON3 | 5337 SWEETWATER DR WEST RIVER, MD 20778 | AFLAC | $33 | — | $33 | 0.40% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS COMMUNICATION | 1 BELMONT AVE STE 304 GSB BUILDING BALA CYNWYD, PA 19004 | AFLAC | $31 | — | $31 | 0.38% |
| MATTHEW W EVANS3 | 1344 ASHTON RD STE 200 HANOVER, MD 21076 | AFLAC | $23 | — | $23 | 0.28% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVE APT 713 BETHESDA, MD 21797 | AFLAC | $14 | — | $14 | 0.17% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $14 | — | $14 | 0.17% |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $589 | — | $589 | 13.78% |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $275 | — | $275 | 8.42% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERIHEALTH INS. CO. | $79 | $19 | $98 | 4.03% |
| FLEXIBLE BENEFIT PLANS, INC.3 | VALLEY FORGE COMMONS VALLEY FORGE, PA 19482 | AMERIHEALTH INS. CO. | $41 | $14 | $55 | 2.26% |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $486 | — | $486 | 27.46% |
| ENROLLEASE3 Filed as: KATZ PIERCE INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $141 | — | $141 | 15.82% |
| FIRST NATIONAL BROKERAGE3 | 5311 PATTERSON AVE RICHMOND, VA 232262041 | OPTIMA HEALTH PLAN | — | — | $0 | — |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AMERIHEALTH HMO, INC. | 63 | $681K |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $124K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $122K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $119K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $119K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $124K |
| Prescription drug | AMERIHEALTH INS. CO. | 56 | $85K |
| Other(6 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.