| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $7K | $17K | 5.07% |
| CENTRO BENEFITS RESEARCH LLC3 | STE 300 325 N KIRKWOOD RD KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 5.00% |
| ALLIED BENEFIT SYSTEMS, LLC5 | — | ALLIED BENEFIT SYSTEMS, LLC | — | $54K | $54K | 27.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | — | ALLIED BENEFIT SYSTEMS, LLC | — | $51K | $51K | 26.28% |
| VXTRA PARTNERS3 | — | ALLIED BENEFIT SYSTEMS, LLC | — | $51K | $51K | 25.96% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED BENEFIT SYSTEMS, LLC | — | $39K | $39K | 20.10% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY STE 400 ALBANY, NY 12204 | SHELTER POINT LIFE INSURANCE COMPANY | $14K | — | $14K | 9.25% |
| DIGITAL INSURANCE LLC3 | 2700 CUMBERLAND PARKWAY STE 140 ATLANTA, GA 30339 | GUARDIAN | $15K | $10K | $25K | 17.03% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $311 | — | $311 | 2.85% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE UNDERWRITERS INC | 1800 JOHN F KENNEDY BLVD STE 700 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $920 | $920 | 10.00% |
| KALISH FINANCIAL SERVICES LLC3 | 2824 COTTMAN AVE STE 6 PHILADELPHIA, PA 19149 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $701 | — | $701 | 7.62% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | STE 300 1787 SENTRY PARKWAY W, VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $428 | $428 | 5.00% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 5.01% |
| LEON MARTIN3 Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 5.04% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88 | — | $88 | 15.02% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, LLC | 159 | $196K |
| Dental | GUARDIAN | 180 | $147K |
| Vision | GUARDIAN | 180 | $147K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $353K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 215 | $496K |
| Long-term disability(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $367K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 165 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3 | $586 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.