| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | AETNA | $4K | $0 | $4K | 2.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA | $3K | $0 | $3K | 2.11% |
| GENESIS ASSET PROTECTION INC3 | 865 EASTON ROAD WARRINGTON, PA 18976 | AETNA | $0 | $0 | $0 | 0.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENFITS GEN | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.68% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.32% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLERTIFFANY BENFITS GENERAL AGEN | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.68% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.32% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLERTIFFANY BENFITS GENERAL AGEN | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.69% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.31% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENFITS GEN | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.86% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.14% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $948 | $948 | 2.96% |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 438 | $142K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $48K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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."
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.