| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT RD STE 200 400 BERWYN PARK BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $37K | $52K | 7.14% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC | 555 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $267 | — | $267 | 0.97% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $868 | — | $868 | 6.33% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $868 | — | $868 | 6.33% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $750 | — | $750 | 6.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHEAST INC | 555 PLEASANTVILLE RD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $87 | — | $87 | 0.72% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $733K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $26K |
| Short-term disability | STANDARD INSURANCE COMPANY | 169 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $14K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.