| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMON RD STE 310 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $11K | 9.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $370 | $2K | 1.34% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK 899, CASSATT RD ST BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $905 | $11K | 23.78% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PK STE 200 BERWYN, PA 19312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $666 | $0 | $666 | 1.48% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $490 | $6K | 22.68% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PK STE 200 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | $0 | $33 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | $0 | $26 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 101 HUNTINGTON AVE STE 401 BOSTON, MA 02199 | PRUDENTIAL LIFE AND CASUALTY INSURANCE COMPANY | $282 | $71 | $353 | 1.67% |
| MY BENEFIT ADVISORS LLC3 Filed as: MY BENEFIT ADVISORS | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | VISION SERVICE PLAN | $979 | $0 | $979 | 6.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $814 | $0 | $814 | 5.01% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 351 | $93K |
| Vision | VISION SERVICE PLAN | 144 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $114K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $114K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.