| 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 | 3.96% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR. KING OF PRUSSIA, PA 19406 | AFLAC | $5K | $80 | $5K | 6.71% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $1K | — | $1K | 1.97% |
| DONALD J CONTROY JR3 | 2 FAIRWAY DR WARMINSTER, PA 18974 | AFLAC | $842 | — | $842 | 1.15% |
| MICHAEL HECHT3 | 3301 ELLINGTON LN PHOENIXVILLE, PA 19460 | AFLAC | $819 | $16 | $835 | 1.14% |
| CONLON AND ASSOCIATES LLC3 | 653 S. GULPH RD. KING OF PRUSSIA, PA 19406 | AFLAC | $588 | — | $588 | 0.81% |
| MICHELE L BOGRETTE3 | 989 BEAR TAVERN RD. TRENTON, NJ 08628 | AFLAC | $562 | — | $562 | 0.77% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 5 GREAT VALLEY PKWY, STE 100 MALVERN, PA 19355 | AFLAC | $515 | — | $515 | 0.71% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $305 | — | $305 | 0.42% |
| ERIC R MACDOUGALL3 | ONE NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $268 | — | $268 | 0.37% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | AFLAC | $266 | — | $266 | 0.36% |
| HOOK ENTERPRISES LLC3 | 5 GREAT VALLEY PARKWAY, STE 100 MALVERN, PA 19355 | AFLAC | $193 | $16 | $209 | 0.29% |
| DEBORAH LEFF-KOHN3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $172 | — | $172 | 0.24% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $164 | — | $164 | 0.22% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $134 | — | $134 | 0.18% |
| TIMOTHY J GOULET3 | 7774 NAVARRE PKWY, APT 1209 NAVARRE, FL 32566 | AFLAC | $100 | — | $100 | 0.14% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | AFLAC | $96 | — | $96 | 0.13% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $95 | — | $95 | 0.13% |
| CYNTHIA MUELLER3 | 303 BLUE CYPRESS DR GROVELAND, FL 34736 | AFLAC | $67 | — | $67 | 0.09% |
| JAMES M MCELDERRY3 | 1114 BAYFRONT, UNIT D-28 OCEAN CITY, NJ 08226 | AFLAC | $62 | — | $62 | 0.08% |
| JOHN J FERRANTE3 | 4911 EDGEWOOD RD DOYLESTOWN, PA 18902 | AFLAC | $60 | — | $60 | 0.08% |
| JOANN HARTSOCK3 | 1214 EASTON RD., STE 100 WARRINGTON, PA 18976 | AFLAC | $43 | — | $43 | 0.06% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | ONE NESHAMINY INTERPLEX STE 201 TREVOSE, PA 19053 | AFLAC | $23 | — | $23 | 0.03% |
| NANCY L CREW3 | 106 WOODLYN AVE., APT 3 GLENSIDE, PA 19038 | AFLAC | $22 | — | $22 | 0.03% |
| MG BERGER INC3 | 1020 N DELAWARE AVE., STE 4 PHILADELPHIA, PA 19125 | AFLAC | $16 | — | $16 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $7 | — | $7 | 0.01% |
| CAROLYN E MORRISON3 | 55 EAST END AVE CARNEYS POINT, NJ 08069 | AFLAC | $3 | — | $3 | 0.00% |
| MARTIN E BYSTROM3 | 333 OVERLOOK LN GULPH MILLS, PA 19428 | AFLAC | $3 | — | $3 | 0.00% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $2 | — | $2 | 0.00% |
| MARY KAYE WASHO3 | 106 CEDAR BLUFF CT, STE 315 ALEDO, TX 76008 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | — | — | $0 | 0.00% |
| RYAN K GOLDBERG3 | 103 CHURCH ST, #3 PHILADELPHIA, PA 19106 | AFLAC | — | — | $0 | 0.00% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.16% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | DEARBORN NATIONAL | $7K | — | $7K | 13.30% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | DEARBORN NATIONAL | — | $4K | $4K | 7.00% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 84 | $975K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $66K |
| Life insurance | DEARBORN NATIONAL | 102 | $51K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 102 | $124K |
| Long-term disability | DEARBORN NATIONAL | 102 | $51K |
| Prescription drug | AETNA | 84 | $975K |
| Other | AFLAC | 59 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.