| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DR MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $41K | — | $41K | 3.98% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $3K | $303 | $3K | 5.00% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $1K | — | $1K | 1.85% |
| DONALD J CONTROY JR3 | 2 FAIRWAY DR WARMINSTER, PA 18974 | AFLAC | $802 | — | $802 | 1.15% |
| MICHAEL HECHT3 | 3301 ELLINGTON LN PHOENIXVILLE, PA 19460 | AFLAC | $558 | $61 | $619 | 0.89% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $504 | $61 | $565 | 0.81% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $536 | — | $536 | 0.77% |
| MICHELE L BOGRETTE3 | 989 BEAR TAVERN RD TRENTON, NJ 08628 | AFLAC | $482 | — | $482 | 0.69% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $291 | — | $291 | 0.42% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $246 | — | $246 | 0.35% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AFLAC | $238 | — | $238 | 0.34% |
| DEBORAH LEFF-KOHN3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $154 | — | $154 | 0.22% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $142 | — | $142 | 0.20% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD WEST LATHAM, NY 12110 | AFLAC | $124 | — | $124 | 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 | 0.14% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $95 | — | $95 | 0.14% |
| CYNTHIA MUELLER3 | 303 BLUE CYPRESS DR GROVELAND, FL 34736 | AFLAC | $67 | — | $67 | 0.10% |
| JAMES M MCELDERRY3 | 1114 BAYFRONT UNIT D-28 OCEAN CITY, NJ 08226 | AFLAC | $62 | — | $62 | 0.09% |
| JOHN J FERRANTE3 | 4911 EDGEWOOD RD DOYLESTOWN, PA 18902 | AFLAC | $60 | — | $60 | 0.09% |
| JOANN HARTSOCK3 | 16 ROBYN LN DOYLESTOWN, PA 18901 | AFLAC | $43 | — | $43 | 0.06% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $31 | — | $31 | 0.04% |
| NANCY L CREW3 | 106 WOODLYN AVE APT 3 GLENSIDE, PA 19038 | AFLAC | $22 | — | $22 | 0.03% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $22 | — | $22 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $18 | — | $18 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $16 | — | $16 | 0.02% |
| CAROLYN E MORRISON3 | 108 PARKSIDE CT LEXINGTON, SC 29072 | AFLAC | $15 | — | $15 | 0.02% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $14 | — | $14 | 0.02% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DR CATAULA, GA 31804 | AFLAC | $12 | — | $12 | 0.02% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $11 | — | $11 | 0.02% |
| MARY KAYE WASHO3 | 106 CEDAR BLUFF CT SUITE 315 ALEDO, TX 76008 | AFLAC | $11 | — | $11 | 0.02% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.47% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.81% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.01% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 88 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 90 | $57K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 108 | $44K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 108 | $113K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 108 | $44K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 88 | $1.0M |
| Other | AFLAC | 56 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
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.
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.