| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OSBORNE INSURANCE AGENCY3 | 1868 ROUTE 88 BRICK, NJ 08724 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 9.52% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 3.17% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $557 | $13K | 10.86% |
| BRAD BIEL3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 5.45% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $292 | $5K | 4.13% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GROUP | 400 BERWYN PARK BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.99% |
| ALEXANDRA LLANO3 | 9 ALFRED PLACE LITTLE FERRY, NJ 07643 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $91 | $2K | 1.63% |
| MCO PARTNERS LLC3 Filed as: MCO PARTNERS | 315 W 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $254 | $2K | 1.62% |
| ACRISURE LLC3 | 100 PASSAIC AVE FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.46% |
| KIM MARIE DIGIACOMO3 | 19 ALIZA DRIVE KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $118 | $1K | 1.13% |
| ARDENA L MCVICKER3 | 73 KATYDID LANE MORGANTOWN, PA 19543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $665 | $271 | $936 | 0.78% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE ST PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $645 | $24 | $669 | 0.56% |
| CORPORATE HEALTH MANAGEMENT LLC3 Filed as: CORPORATE HEALTH MANAGEMENT | 8 SPRUCE ST APT 75T NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $305 | $413 | 0.34% |
| SOTERIA PARTNERS LLC3 | 8 SPRUCE ST APT 75T NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $106 | $333 | 0.28% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES INC. | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | $6 | $330 | 0.27% |
| LUIS FERNANDO ALAMO3 | 8306 5TH AVE NORTH BERGEN, NJ 07047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 0.26% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | $67 | $265 | 0.22% |
| QUENTIN DOMINICK ALSTON3 | 7 OAKWOOD STREET GREENLAWN, NY 11740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.15% |
| JASON LOUIS KOSCO3 | 31 JESSE CT MONTVILLE, NJ 07045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $8 | $137 | 0.11% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.07% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.06% |
| SAMUEL MELENDEZ3 | 44 FENIMORE ROAD TEANECK, NJ 07666 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.04% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.03% |
| RAUL CAIRO3 | 255 COLLINS AVE MIAMI BEACH, FL 33140 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.00% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 10.65% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.06% |
| L3 MARKETING INC3 | 744 WEST LANCASTER AVENUE WAYNE, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 500 BERWYN, PA 19312 | INDECS CORPORATION | — | $30K | $30K | 39.97% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $445K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $80K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $80K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.