| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK 899 CASSATT ROAD BERWYN, PA 19312 | KEYSTONE HEALTH PLAN EAST, INC. | $51K | $9K | $59K | 4.64% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD, STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | AETNA LIFE INSURANCE CO | $11K | — | $11K | 14.93% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PARK E STE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $310 | $12K | 18.49% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTONPIKE E STE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $263 | $5K | 19.04% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEMPTS OF CHERR | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $63 | $1K | 19.02% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST, INC. | 251 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO | 246 | $73K |
| Vision | KEYSTONE HEALTH PLAN EAST, INC. | 251 | $1.3M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $25K |
| Prescription drug | KEYSTONE HEALTH PLAN EAST, INC. | 251 | $1.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 207 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.