| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 194064032 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $25 | $9K | 7.57% |
| MF IRVINE COMPANIES LLC3 Filed as: M. F. IRVINE COMPANIES, LLC | 21 E 5TH AVE CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 13.02% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN AVE #200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $395 | $0 | $395 | 0.93% |
| MF IRVINE COMPANIES LLC3 Filed as: M. F. IRVINE COMPANIES, LLC | 21 E 5TH AVE CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $2K | $0 | $2K | 13.15% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN AVE #200 BERWYN, PA 19312 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | -$167 | $0 | -$167 | -1.09% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 194064032 | VISION SERVICE PLAN | $706 | $0 | $706 | 7.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $65K |
| TRINITY BENEFIT ADVISORS BROKER | Insurance agents and brokers Service code 22 | 660 AMERICAN AVE. SUITE 101 KING OF PRUSSIA, PA 19406 | $41K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 141 | $58K |
| Vision | VISION SERVICE PLAN | 86 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 117 | $125K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 117 | $125K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 117 | $125K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 118 | $24K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 117 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.