| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCHE FINANCIAL INC | 1610 E THIRD ST WILLIAMSPORT, PA 17701 | GEISINGER HEALTH PLAN | $31K | $26 | $31K | 5.91% |
| KISH BANK3 | 10 N DORCAS STREET LEWISTOWN, PA 17044 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 7.56% |
| EMERSON REID LLC3 Filed as: ERC OF NEW YORK DBA EMERSON REID LL | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | — | $959 | $959 | 4.04% |
| BENEFIT MANAGEMENT, INC.3 Filed as: BENEFIT MANAGEMENT GROUP INC | 10 N, DORCAS STREET LEWISTOWN, PA 17044 | UNION SECURITY INSURANCE COMPANY | $608 | — | $608 | 2.56% |
| ROCHE FINANCIAL INC | 1610 EAST THIRD STREET WILLIAMSPORT, PA 17701 | MADISON NATIONAL LIFE INSURANCE COMPANY | $877 | $365 | $1K | 9.71% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.50% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY LLC | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 3.09% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O. DAGGETT JR. | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $99 | $110 | $209 | 1.63% |
| SHAWN N. ORENSTEIN3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $165 | — | $165 | 1.29% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $164 | $164 | 1.28% |
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) | GEISINGER HEALTH PLAN | 112 | $531K |
| Dental | UNION SECURITY INSURANCE COMPANY | 51 | $24K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 119 | $13K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 119 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.