| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LITTLE MICHAELS & KENNEDY INC3 | 349 BUSTLETON PIKE TREVOSE, PA 19053 | UNITEDHEALTHCARE INSURANCE CO | $452 | $48K | $48K | 4.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | FOUR TOWER BRIDGE 200 BARR HARBOR DR STE 400 CONSHOHOCKEN, PA 19420 | UNITEDHEALTHCARE INSURANCE CO | $22K | — | $22K | 2.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | KEYSTONE HEALTH PLAN EAST | $38K | — | $38K | 7.39% |
| KISTLER TIFFANY BENEFITS3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | GUARDIAN LIFE INSURANCE COMPANY | $21K | $17K | $38K | 11.66% |
| BOEN & ASSOCIATES INC3 | 307 W 41ST ST SIOUX FALLS, SD 57105 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.71% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE AND FINANCIAL | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | QCC INSURANCE CO | $1K | — | $1K | 5.63% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL336 | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD OF FLORIDA | $173 | — | $173 | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | THE CURTIS CENTER PHILADELPHIA, PA 19106 | AMERIHEALTH HMO INC | $229 | — | $229 | 7.60% |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | UNITEDHEALTHCARE INSURANCE CO | 573 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 333 | $323K |
| Vision | QCC INSURANCE CO | 8 | $22K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 333 | $323K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 333 | $323K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 333 | $323K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 14 | $71K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 333 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.
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.