| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LITTLE MICHAELS & KENNEDY INC3 | 349 BUSTLETON PIKE TREVOSE, PA 19053 | UNITEDHEALTHCARE INSURANCE CO | $6K | $78K | $84K | 4.53% |
| 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 | $38K | — | $38K | 2.06% |
| KISTLER TIFFANY BENEFITS3 | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $9K | $22K | 13.23% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | $668 | $2K | 15.15% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | $529 | $2K | 15.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $567 | $284 | $851 | 15.01% |
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 | 782 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE CO | 782 | $1.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 0 | $166K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 352 | $185K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 351 | $177K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 351 | $180K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 352 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.