| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS LLC | — | INDEPENDENCE BLUE CROSS-KEYSTONE | $23K | $2K | $25K | 4.23% |
| KISTLER TIFFANY BENEFITS3 | — | INDEPENDENCE BLUE CROSS-KEYSTONE | $8K | $230 | $8K | 1.40% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS LLC | — | INDEPENDENCE BLUE CROSS - PPO | $10K | $847 | $11K | 6.06% |
| KISTLER TIFFANY BENEFITS3 | — | INDEPENDENCE BLUE CROSS - PPO | $3K | $102 | $3K | 1.75% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS LLC | — | INDEPENDENCE BLUE CROSS - DRUG | $0 | $847 | $847 | 1.22% |
| KISTLER TIFFANY BENEFITS3 | — | INDEPENDENCE BLUE CROSS - DRUG | $0 | $102 | $102 | 0.15% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | $6K | $2K | $9K | 20.36% |
| MCGRIFF INSURANCE SERVICES INC3 | — | UNITED OF OMAHA | $4K | $2K | $6K | 16.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | — | UNITED OF OMAHA | — | $2K | $2K | 5.00% |
| ALLIED ADMINISTRATORS3 Filed as: ALLIED ADMINISTRATORS INC | — | DELTA DENTAL OF PENNSYLVANIA | $358 | $115 | $473 | 1.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | — | UNITED OF OMAHA | $2K | — | $2K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | — | UNITED OF OMAHA | — | $746 | $746 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | — | UNITED OF OMAHA | $944 | — | $944 | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | — | UNITED OF OMAHA | — | $315 | $315 | 5.01% |
| ALLIED ADMINISTRATORS3 Filed as: ALLIED ADMINISTRATORS INC | — | DELTA DENTAL OF PENNSYLVANIA | $351 | $113 | $464 | 13.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | — | UNITED CONCORDIA | $387 | — | $387 | 12.84% |
| KISTLER TIFFANY BENEFITS3 | — | UNITED CONCORDIA | $73 | — | $73 | 2.42% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS LLC | — | INDEPENDENCE BLUE CROSS - VISION | $224K | $847 | $225K | 9986.42% |
| KISTLER TIFFANY BENEFITS3 | — | INDEPENDENCE BLUE CROSS - VISION | $0 | $102 | $102 | 4.53% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS-KEYSTONE | 56 | $773K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF PENNSYLVANIA | 134 | $31K |
| Vision | INDEPENDENCE BLUE CROSS - VISION | 24 | $2K |
| Life insurance(2 contracts) | UNITED OF OMAHA | 113 | $48K |
| Short-term disability | UNITED OF OMAHA | 43 | $15K |
| Long-term disability | UNITED OF OMAHA | 113 | $35K |
| Prescription drug | INDEPENDENCE BLUE CROSS - DRUG | 24 | $70K |
| Other(2 contracts) | UNITED OF OMAHA | 113 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
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.