| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 123 S. BROAD STREET PHILADELPHIA, PA 19109 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $9K | $0 | $9K | 1.39% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GA | 1550 POND RD, STE 130 ALLENTOWN, PA 18104 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULTANTS | — | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 8.47% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GA | — | UNITED CONCORDIA INSURANCE COMPANY | $609 | $0 | $609 | 2.29% |
| ACRISURE LLC3 Filed as: ACRISURE | — | UNITED CONCORDIA INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| R & B INSURANCE SERVICES LLC3 Filed as: R & B INSURANCE SERVICES, LLC | 209 WOODWARD AVE LOCK HAVEN, PA 17745 | AMERICAN UNITED LIFE | $1K | $867 | $2K | 15.75% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BEN | — | AMERICAN UNITED LIFE | $319 | $0 | $319 | 2.18% |
| ACRISURE LLC3 Filed as: ACRISURE LLC. | 1265 DRUMMERS LANE, SUITE 300 WAYNE, PR 19087 | VISION BENEFITS OF AMERICA | $317 | $0 | $317 | 6.98% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GA | 400 BERWYN PK, STE 200 BERWYN, PA 19312 | VISION BENEFITS OF AMERICA | $54 | $0 | $54 | 1.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE, LLC EIN 26-3554645 BROKER | Insurance agents and brokers Service code 22 | — | $1K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $110 |
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 | 35 | 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) | 35 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 67 | $682K |
| Dental(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 72 | $709K |
| Vision(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 67 | $687K |
| Life insurance | AMERICAN UNITED LIFE | 12 | $15K |
| Short-term disability | AMERICAN UNITED LIFE | 12 | $15K |
| Long-term disability | AMERICAN UNITED LIFE | 12 | $15K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 67 | $682K |
| Other | AMERICAN UNITED LIFE | 12 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.