| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE EQUINOX AGENCY LLC3 Filed as: EQUINOX AGENCY | 1275 GLENLIVET DR. SUITE 145 ALLENTOWN, PA 18106 | CAPITAL BLUE CROSS | $46K | — | $46K | 3.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENE CO | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $11K | $10K | $22K | 13.88% |
| THE EQUINOX AGENCY LLC3 | 1275 GLENLIVET DRIVE SUITE 340 ALLENTOWN, PA 18106 | GUARDIAN | $4K | — | $4K | 4.95% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, L | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | GUARDIAN | $119 | — | $119 | 0.17% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL BLUE CROSS | 105 | $1.3M |
| Dental | GUARDIAN | 95 | $71K |
| Vision | CAPITAL BLUE CROSS | 105 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 139 | $156K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 139 | $156K |
| Prescription drug | CAPITAL BLUE CROSS | 105 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 139 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.