| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID M. BANET & ASSOCIATES3 | LIONVILLE PROFESSIONAL CENTER 45 DOWLIN FORGE ROAD EXTON, PA 19341 | KEYSTONE HEALTH PLAN EAST | $138K | — | $138K | 1.67% |
| DAVID M. BANET & ASSOCIATES3 | LIONVILLE PROFESSIONAL CENTER 45 DOWLIN FORGE ROAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $12K | — | $12K | 1.32% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO. | 899 CASSATT ROAD BERWYN, PA 19312 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $21K | — | $21K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 1.09% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP INC. | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.51% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP INC. | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.59% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 19428 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.66% |
| DAVID M. BANET & ASSOCIATES3 | LIONVILLE PROFESSIONAL CENTER 45 DOWLIN FORGE ROAD EXTON, PA 19341 | AMERIHEALTH HMO, INC. | $364 | — | $364 | 1.31% |
| DAVID M. BANET & ASSOCIATES3 | LIONVILLE PROFESSIONAL CENTER 45 DOWLIN FORGE ROAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $503 | — | $503 | 4.56% |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 526 | $9.2M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 626 | $385K |
| Vision | INDEPENDENCE BLUE CROSS | 58 | $899K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $146K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 363 | $152K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $216K |
| Prescription drug(4 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 526 | $9.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.