| 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 | $40K | $682 | $41K | 2.34% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $9K | 18.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES, INC. | PO BOX 632886 CINCINNATI, OH 452632886 | HARTFORD LIFE AND ACCIDENT | $103 | — | $103 | 0.21% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | -$106 | — | -$106 | -0.22% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS LLC | 252 N. RADNOR-CHESTER RD. ST DAVIDS, PA 19087 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 11.04% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS LLC | 512 WEST LANCASTER AVE SUITE C WAYNE, PA 19087 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $689 | — | $689 | 10.08% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 115 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 132 | $39K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 104 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 187 | $49K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $49K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $49K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 115 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 187 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.