| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $111K | $0 | $111K | 6.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $5K | $0 | $5K | 0.31% |
| HARDENBERGH INSURANCE GROUP3 | 1000 MAIN STREET PLAZA, BOX 100 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 | $10K | $0 | $10K | 4.57% |
| 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 | $3K | $6K | $9K | 7.95% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS PHILADELPHIA | $2K | $0 | $2K | 6.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DR, SUITE 150 MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS PHILADELPHIA | $82 | $0 | $82 | 0.21% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 119 | $110K |
| Vision | INDEPENDENCE BLUE CROSS | 346 | $1.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 185 | $227K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $227K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 185 | $227K |
| Prescription drug | BENECARD SERVICES, LLC | 289 | $347K |
| Other | HARTFORD LIFE AND ACCIDENT | 185 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.