| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $76K | $3K | $79K | 7.22% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $26K | $3K | $29K | 7.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 3330 BARGAINTOWN ROAD EGG HARBOR TWP, NJ 08234 | AETNA LIFE INSURANCE COMPANY | $13K | $442 | $13K | 14.95% |
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS, INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 11.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.13% |
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS, INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 10.62% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.50% |
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS, INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 11.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.57% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $1K | $2K | $3K | 20.41% |
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RISK SOLUTIONS, INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $455 | $244 | $699 | 11.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $671 | — | $671 | 10.73% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 275 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 303 | $90K |
| Vision | INDEPENDENCE BLUE CROSS | 218 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $40K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 275 | $394K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.