| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW MINK3 Filed as: MATTHEW EDWARD MINK | 660 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $0 | $39K | 15.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS LLC | 660 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 1.21% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN AVE #200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 5.64% |
| MF IRVINE COMPANIES LLC3 Filed as: M. F. IRVINE COMPANIES, LLC | 21 E 5TH AVE CONSHOHOCKEN, PA 19428 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 3.98% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN AVE #200 BERWYN, PA 19312 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $997 | $0 | $997 | 5.45% |
| 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. | $910 | $0 | $910 | 4.98% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 194064032 | VISION SERVICE PLAN | $755 | $0 | $755 | 7.60% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 194064032 | METROPOLITAN LIFE INSURANCE COMPANY | $404 | $0 | $404 | 120.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 ADMIN | Plan Administrator; Other services; Claims processing Service code 12 | — | $69K |
| TRINITY BENEFIT ADVISORS BROKER | Consulting (general); Insurance agents and brokers Service code 16 | 660 AMERICAN AVE. SUITE 101 KING OF PRUSSIA, PA 19406 | $37K |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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 | 120 | $59K |
| Vision | VISION SERVICE PLAN | 99 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $335 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $335 |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $335 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $260K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $335 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.