| 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 | $51K | — | $51K | 4.06% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $3K | $149 | $3K | 3.72% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $2K | — | $2K | 1.84% |
| DONALD J CONTROY JR3 | 2 FAIRWAY DR WARMINSTER, PA 18974 | AFLAC | $931 | — | $931 | 1.13% |
| CONLON AND ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $633 | — | $633 | 0.77% |
| MICHELE L BOGRETTE3 Filed as: MICHELE BOGRETTE | 989 BEAR TAVERN RD TRENTON, NJ 08628 | AFLAC | $569 | — | $569 | 0.69% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $497 | $30 | $527 | 0.64% |
| MICHAEL HECHT3 | 3301 ELLINGTON LN PHOENIXVILLE, PA 19460 | AFLAC | $472 | $30 | $502 | 0.61% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $340 | — | $340 | 0.41% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $310 | — | $310 | 0.38% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | AFLAC | $270 | — | $270 | 0.33% |
| DEBORAH LEFF-KOHN3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $174 | — | $174 | 0.21% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $168 | — | $168 | 0.20% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $142 | — | $142 | 0.17% |
| TIMOTHY J GOULET3 | 7774 NAVARRE PKWY APT 1209 NAVARRE, FL 32566 | AFLAC | $118 | — | $118 | 0.14% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | AFLAC | $113 | — | $113 | 0.14% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $112 | — | $112 | 0.14% |
| CYNTHIA MUELLER3 | 303 BLUE CYPRESS DR GROVELAND, FL 34736 | AFLAC | $79 | — | $79 | 0.10% |
| JAMES M MCELDERRY3 | 1114 BAYFRONT APT D28 OCEAN CITY, NJ 08226 | AFLAC | $73 | — | $73 | 0.09% |
| NANCY AMICON3 | 301 DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $72 | — | $72 | 0.09% |
| JOHN J FERRANTE3 | 4911 EDGEWOOD RD DOYLESTOWN, PA 18902 | AFLAC | $70 | — | $70 | 0.09% |
| JOANN HARTSOCK3 | 16 ROBYN LN DOYLESTOWN, PA 18901 | AFLAC | $51 | — | $51 | 0.06% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $36 | — | $36 | 0.04% |
| NANCY L CREW3 | 106 WOODLYN AVE APT 3 GLENSIDE, PA 19038 | AFLAC | $26 | — | $26 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $21 | — | $21 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $19 | — | $19 | 0.02% |
| CAROLYN E MORRISON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $17 | — | $17 | 0.02% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $17 | — | $17 | 0.02% |
| MARY KAYE WASHO3 | 106 CEDAR BLUFF CT STE 315 ALEDO, TX 76008 | AFLAC | $13 | — | $13 | 0.02% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $12 | — | $12 | 0.01% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $8 | — | $8 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.00% |
| CARSON C PURIEFOY JR3 | PO BOX 301 WENONAH, NJ 08090 | AFLAC | $3 | — | $3 | 0.00% |
| SEAN G HIGGINS3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $1 | — | $1 | 0.00% |
| THE LEFF COMPANY INC3 Filed as: THE LEFF COMPANY INC. | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.18% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.81% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS | 413 MARLTON PIKE EAST STE 300 CHERRY HILL, NJ 08034 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 97 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 95 | $69K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 115 | $65K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 115 | $147K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 115 | $65K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 97 | $1.3M |
| Other | AFLAC | 58 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
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.