| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $35K | $10K | $45K | 3.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $2K | $9K | 0.72% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $11K | $3K | $14K | 3.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $2K | $608 | $3K | 0.72% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC-400 BERWYN PARK, STE 200 899 CASSATT ROAD BERWYN, PA 19312 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 5.00% |
| CUSTOM BENEFIT PLANS INC3 | 616 EASTON RD WILLOW GROVE, PA 19090 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 3.45% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER 795 LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | DELTA DENTAL OF NEW JERSEY, INC. | $415 | — | $415 | 0.32% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.22% |
| EMERSON REID LLC3 Filed as: EMERSON RIED LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.74% |
| MAZZMAR LLC3 | 1767 SENTRY PKWY W STE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.05% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, L | 1767 SENTRY PKWY W STE 200 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.03% |
| INCENTIVE SYSTEMS INC3 Filed as: INCENTIVE SYSTEMS INC. | 280 PENNBROOK PKWY BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.29% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 795 E. LANCASTER AVE STE 210 VILLANOVA, PA 19085 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $945 | — | $945 | 3.48% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $840 | $840 | 3.10% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON INSURANCE COMPANY | $2K | — | $2K | 8.41% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON INSURANCE COMPANY | $286 | — | $286 | 1.59% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 56 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 152 | $1.2M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 313 | $130K |
| Vision | HORIZON INSURANCE COMPANY | 156 | $18K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $72K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $45K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $45K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 153 | $381K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.