| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 4.30% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | — | $679 | $679 | 0.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $5K | — | $5K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | VISION SERVICE PLAN | $2K | — | $2K | 3.23% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $58 | — | $58 | 3.56% |
| JASON C KOSTIK3 | 120 W MORELAND AVE HATBORO, PA 19040 | AFLAC | $35 | — | $35 | 2.15% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $32 | — | $32 | 1.97% |
| JOHN M HARTMAN3 | 1435 MUSEUM RD READING, PA 19610 | AFLAC | $12 | — | $12 | 0.74% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SVCS., INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $11 | — | $11 | 0.68% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 55754 | AFLAC | $9 | — | $9 | 0.55% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $8 | — | $8 | 0.49% |
| MATTHEW G BERGER3 | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $6 | — | $6 | 0.37% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.06% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.06% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $1 | — | $1 | 0.06% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $1 | — | $1 | 0.06% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.06% |
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 | 1,442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 857 | $189K |
| Vision | VISION SERVICE PLAN | 570 | $72K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,476 | $511K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,476 | $511K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,476 | $511K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,476 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,476 | — |
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."
No prospect flags tripped on this filing.