| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHNOW ADMINISTRATIVE SERVICES3 | P.O. BOX 80 BUFFALO, NY 14240 | GERBER | — | $75K | $75K | 27.39% |
| KISTLER TIFFANY BENEFITS3 | STE 200, 400 BERWYN PK 899 CASSALT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $9K | $18K | 10.22% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.17% |
| ALPHA BENEFITS GROUP INC3 | 125EAST ELM STREET SUITE 210 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSUARNCE COMPANY OF AMERICA | $6K | $4K | $10K | 11.78% |
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 | 147 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GERBER | 134 | $273K |
| Dental | THE GUARDIAN LIFE INSUARNCE COMPANY OF AMERICA | 117 | $83K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $174K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $174K |
| Prescription drug | GERBER | 134 | $273K |
| Stop-loss / reinsurancereinsurance | GERBER | 134 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.