| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $75K | — | $75K | 4.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC | 2600 KELLY DRIVE WARRINGTON, PA 18976 | INDEPENDENCE BLUE CROSS | $7K | — | $7K | 0.41% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 12.15% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 480 SWEDESFORD ROAD WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.67% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $870 | — | $870 | 1.18% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP | 325 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $785 | — | $785 | 1.07% |
| LAWRENCE PRICHARD3 | 650 SKAGGS LANE HILLSBOROUGH, KY 41049 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $299 | — | $299 | 0.41% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $290 | — | $290 | 0.39% |
| LISA CONNOR3 | 337 WEST AVENUE WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.37% |
| STEPHEN M HENSS LLC3 | 6 CHISEL CREEK DRIVE LANDENBERG, PA 19350 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $157 | $8 | $165 | 0.22% |
| MARY-JOYCE LICATA3 Filed as: MARY J YARNELL | 170 E HAMILTON LN BATTLE CREEK, MI 49015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.15% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $4 | $94 | 0.13% |
| TIFFANY BRIDE3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.10% |
| ALEXANDER OTTONIEL CANAS3 | 26132 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.10% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.09% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $3 | $56 | 0.08% |
| ANDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $12 | $39 | 0.05% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| CASEY H EBBERT3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| EDGEHILL ENTERPRISES LLC3 | 1420 WEST Q ST LINCOLN, NE 68528 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCH SANTA MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $16 | $23 | 0.03% |
| EDWARD D SOMMER3 Filed as: EDWARD P DOUGHERTY INC | 4550 PRESTWICH DR READING, PA 19606 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| ASHLEY ELCOCK3 | 200 TATTLETOWN ROAD AARONSBURG, PA 16820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| JEFFREY D HARNED3 | 13117 EASTPOINT PARK BLVD LOUISVILLE, KY 40223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.01% |
| BILODEAU INC3 | 1005 ROLLINGWOOD LANE GOSHEN, KY 40026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.01% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.01% |
| R & B ENROLLMENT SERVICES INC3 | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DESIREE WENDELL3 | 38269 EVERTON AVE NORTH BRANCH, MN 55056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BRIAN JULIAN HAIR3 | 11 FALBROOK COURT IRMO, SC 29063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MCCAREY INC3 | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ASSUREDPARTNERS3 Filed as: VGM BENFITS ENROLLMENTS LLC | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BIRCH BENEFITS LLC3 | 480 EAST SWEDESFORD RD, SUITE 130 WAYNE, PA 19087 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT, SUITE 301 WAYNE, PA 19087 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 10.00% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS | 480 E SWEDESFORD RD STE 130 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $521 | — | $521 | 12.01% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 357 | $1.7M |
| Vision | VISION BENEFITS OF AMERICA | 163 | $11K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $78K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $74K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 245 | $1.6M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 97 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.