| 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 | 4.99% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200, 899 CASSATT ROAD BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $430 | $10K | 5.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 28202 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $913 | — | $913 | 1.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS&FINANCIAL SERVICES | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $456 | — | $456 | 0.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $6K | — | $6K | 10.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS&FINANCIAL SERVICES | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.60% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $133 | — | $133 | 3.65% |
| JASON C KOSTIK3 | 120 W MORELAND AVE HATBORO, PA 19040 | AFLAC | $65 | — | $65 | 1.78% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $59 | — | $59 | 1.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SVCS., INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $48 | — | $48 | 1.32% |
| JOHN M HARTMAN3 | 1435 MUSEUM RD READING, PA 19610 | AFLAC | $22 | — | $22 | 0.60% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 55754 | AFLAC | $16 | — | $16 | 0.44% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $14 | — | $14 | 0.38% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $14 | — | $14 | 0.38% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $11 | — | $11 | 0.30% |
| JAMES ELDER BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $8 | — | $8 | 0.22% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.08% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | 0.08% |
| IRENE E BROOKS3 | 19 NORFOLK LN LEBANON, PA 17042 | AFLAC | $2 | — | $2 | 0.05% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.05% |
| DIANNE L MARTIN3 | 2230 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $2 | — | $2 | 0.05% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $1 | — | $1 | 0.03% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.03% |
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 | 1,452 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 751 | $171K |
| Vision | VISION SERVICE PLAN | 475 | $63K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,602 | $448K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,602 | $591K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,602 | $448K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,602 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,602 | — |
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.