| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $65K | $31K | $96K | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH & MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | INDEPENDENCE BLUE CROSS | $59K | $5K | $64K | 2.13% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.23% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $677 | $20K | 18.62% |
| SPENCER BARRETT3 Filed as: SPENCER M BROAD | 16 PANORANA COURT MT. LAUREL, NJ 08054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $544 | $4K | 3.92% |
| JILL R LAMBERT3 Filed as: JILL DICE-MALGIER | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $742 | $3K | 2.62% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $91 | $3K | 2.44% |
| MELINDA DIANE SWARTLEY3 | 202 PACER LANE COLLEGEVILLE, PA 19426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $554 | $3K | 2.32% |
| EDWARD D SOMMER3 Filed as: EDWARD P DOUGHERTY INC. | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $565 | $3K | 2.31% |
| PHILIP ITALIANO3 | 1220 MERCER DR HADDONFIELD, NJ 08033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $764 | $2K | 2.25% |
| RAUL CAIRO JR3 Filed as: RAUL CAIRO JR. | 310 77TH STREET NORTH BERGEN, NJ 07047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $166 | $2K | 2.08% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS PAID LESS THAN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 2.00% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $642 | $2K | 1.65% |
| ANZA & ANZA AND ASSOCIATES3 Filed as: ANZA & ANAZA AND ASSOCIATES | 1700 PARK AVE WEEHAWKEN, NJ 07086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $938 | $591 | $2K | 1.40% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $873 | $396 | $1K | 1.16% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $932 | $1K | 1.09% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | $248 | $954 | 0.87% |
| THE HORTON GROUP3 Filed as: ALEX BELFORT | 3010 REGENCY DR READING, PA 19608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $538 | $50 | $588 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 8.81% |
| SCOTT TAPPER3 | 1215 W BALTIMORE PIKE SUITE 4 MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 9.74% |
| SCOTT TAPPER3 | 1215 W BALTIMORE PIKE SUITE 4 MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 12.44% |
| SCOTT TAPPER3 | 1215 W BALTIMORE PIKE SUITE 4 MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $161 | $79 | $240 | 10.66% |
| SCOTT TAPPER3 | 1215 W BALTIMORE PIKE SUITE 4 MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84 | — | $84 | 3.73% |
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 | 464 | 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) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 350 | $3.0M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 299 | $233K |
| Vision | INDEPENDENCE BLUE CROSS | 350 | $3.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 415 | $47K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 404 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 353 | $58K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 350 | $3.0M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 415 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.