| 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 | $2K | $43K | $45K | 5.59% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 GERMANTOWN AVE SUITE 150 PLYMOUTH MEETING, PA 19462 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 11.33% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $822 | $66 | $888 | 8.89% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $822 | $0 | $822 | 8.23% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 31.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $598 | $0 | $598 | 7.84% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 W GERMANTOWN AVE STE 350 PLYMOUTH MEETING, PA 19462 | STANDARD INSURANCE COMPANY | $309 | $0 | $309 | 6.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $291 | $0 | $291 | 6.51% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $814K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $52K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $48K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.