| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $20K | — | $20K | 0.95% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $12K | $4K | $16K | 12.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.29% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $547 | — | $547 | 1.56% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $2K | — | $2K | 8.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $346 | — | $346 | 2.17% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $200 | — | $200 | 3.22% |
| JASON C KOSTIK3 | 120 W MORELAND AVE HATBORO, PA 19040 | AFLAC | $138 | — | $138 | 2.22% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $111 | — | $111 | 1.79% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SVCS., INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $69 | — | $69 | 1.11% |
| JOHN M HARTMAN3 | 1435 MUSEUM RD READING, PA 19610 | AFLAC | $30 | — | $30 | 0.48% |
| WENDY M BOONE3 | 1901 SEIPSTOWN RD FOGELSVILLE, PA 18051 | AFLAC | $30 | — | $30 | 0.48% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $20 | — | $20 | 0.32% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $19 | — | $19 | 0.31% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $18 | — | $18 | 0.29% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $13 | — | $13 | 0.21% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $6 | — | $6 | 0.10% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $5 | — | $5 | 0.08% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $5 | — | $5 | 0.08% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DR STE A13 ALLENTOWN, PA 18106 | AFLAC | $3 | — | $3 | 0.05% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $3 | — | $3 | 0.05% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | — | $3 | 0.05% |
| DIANNE L MARTIN3 | 125 MANOR STREET HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | 0.03% |
| CHRISTOPHER A LUPP3 | 940 E PARK DR STE 301 HARRISBURG, PA 17111 | AFLAC | $2 | — | $2 | 0.03% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.02% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 350 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 372 | $129K |
| Vision | VISION SERVICE PLAN | 250 | $28K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $90K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $54K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 350 | $2.1M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.