| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS OF PHILADELPHIA | $78K | $0 | $78K | 3.88% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, NJ 19312 | INDEPENDENCE BLUE CROSS OF PHILADELPHIA | $35K | $0 | $35K | 1.74% |
| HARDENBERGH INSURANCE GROUP3 | 1000 MAIN STREET PLAZA VOORHEES, NJ 08043 | BENECARD SERVICES, LLC | $20K | $0 | $20K | 5.66% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INS AGENCY | PO BOX 1000 VOORHEES, NJ 08043 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 5.22% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $7K | $11K | 8.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS OF PHILADELPHIA | $1K | $0 | $1K | 3.65% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS OF PHILADELPHIA | $622 | $0 | $622 | 2.22% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS OF PHILADELPHIA | 368 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $132K |
| Vision | INDEPENDENCE BLUE CROSS OF PHILADELPHIA | 368 | $2.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 210 | $287K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $287K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $287K |
| Prescription drug | BENECARD SERVICES, LLC | 275 | $359K |
| Other | HARTFORD LIFE AND ACCIDENT | 210 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.