| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 080342483 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 11.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.51% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $6K | $24K | 26.78% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $14K | 18.27% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE E SUITE 300 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 21.84% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $861 | $3K | 21.50% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 080342483 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $557 | $2K | 22.20% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 338 | $119K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $98K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $75K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE | 0 | $0 |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.