| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE LEFF COMPANY INC3 Filed as: LEFF COMPANY | 318 HUNTINGTON PIKE ROCKLEDGE, PA 19046 | AETNA | $39K | — | $39K | 3.05% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.71% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR. KING OF PRUSSIA, PA 19406 | AFLAC | $2K | $256 | $3K | 4.24% |
| DONALD J CONTROY JR3 | 2 FAIRWAY DR. WARMINSTER, PA 18974 | AFLAC | $881 | — | $881 | 1.47% |
| CONLON AND ASSOCIATES LLC3 | 653 SOUTH GULPH RD KING OF PRUSSIA, PA 19406 | AFLAC | $554 | $37 | $591 | 0.99% |
| MICHELE L BOGRETTE3 | 989 BEAR TAVERN RD TRENTON, NJ 08628 | AFLAC | $505 | — | $505 | 0.84% |
| HOOK ENTERPRISES LLC3 | 5 GREAT VALLEY PARKWAY SUITE 100 MALVERN, PA 19355 | AFLAC | $325 | $51 | $376 | 0.63% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 400 BRWYN PARK SUITE 200 BERWYN, PA 19312 | AFLAC | $317 | — | $317 | 0.53% |
| MG BERGER INC3 | 1020 N DELAWARE AVE STE 4 PHILADELPHIA, PA 19125 | AFLAC | $230 | $51 | $281 | 0.47% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $258 | — | $258 | 0.43% |
| DEBORAH LEFF-KOHN3 | 3018 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $206 | — | $206 | 0.34% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $175 | — | $175 | 0.29% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $168 | — | $168 | 0.28% |
| MICHAEL HECHT3 | 3025 BAINBRIDGE DR. LANSDALE, PA 19446 | AFLAC | $143 | $13 | $156 | 0.26% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $149 | — | $149 | 0.25% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $138 | — | $138 | 0.23% |
| TIMOTHY J GOULET3 | 7774 NAVARRE PKWY APT 1209 NAVARRE, FL 32566 | AFLAC | $92 | — | $92 | 0.15% |
| ANDREW J JUNIKIEWICZ JR3 | 22 MORGAN SPRING DRIVE MORGANTOWN, PA 19543 | AFLAC | $86 | — | $86 | 0.14% |
| ROBERT W VESTAL3 | PO BOX 957318 HOFFMAN ESTATES, IL 60195 | AFLAC | $78 | — | $78 | 0.13% |
| ERIC R MACDOUGALL3 Filed as: ERIC R MAGDOUGALL | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $60 | — | $60 | 0.10% |
| JAMES M MCELDERRY3 | 1114 BAYFRONT UNIT D-28 OCEAN CITY, NJ 08226 | AFLAC | $56 | — | $56 | 0.09% |
| JOHN J FERRANTE3 | 4911 EDGEWOOD ROAD DOYLESTOWN, PA 18902 | AFLAC | $54 | — | $54 | 0.09% |
| CYNTHIA MUELLER3 | 303 BLUE CYPRESS DR GROVELAND, FL 34736 | AFLAC | $48 | — | $48 | 0.08% |
| JOANN HARTSOCK3 | 1214 EASTON ROAD SUITE 100 WARRINGTON, PA 18976 | AFLAC | $39 | — | $39 | 0.07% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $20 | — | $20 | 0.03% |
| NANCY L CREW3 | 106 WOODLYN AVE APT 3 GLENSIDE, PA 19038 | AFLAC | $19 | — | $19 | 0.03% |
| CYNTHIA MUELLER3 | 228 GRAVEL HILL RD HUNTINGDON VALLEY, PA 19006 | AFLAC | $12 | — | $12 | 0.02% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | AFLAC | $8 | — | $8 | 0.01% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | DEARBORN NATIONAL | $6K | — | $6K | 13.54% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | DEARBORN NATIONAL | — | $3K | $3K | 6.98% |
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 | 109 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 90 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 91 | $65K |
| Life insurance | DEARBORN NATIONAL | 109 | $47K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 109 | $107K |
| Long-term disability | DEARBORN NATIONAL | 109 | $47K |
| Prescription drug | AETNA | 90 | $1.3M |
| Other | AFLAC | 53 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.