| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: HARDENBERGH INSURNCE GRP | PO BOX 8000 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 6.66% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 4.26% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: HARDENBERGH INSURNCE GRP | PO BOX 8000 MARLTON, NJ 08053 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 7.00% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.08% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | — | -$2K | -2.35% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4K | — | -$4K | -5.59% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 11.41% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | — | -$2K | -2.43% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$3K | — | -$3K | -4.85% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -2.46% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$3K | — | -$3K | -4.93% |
| INSGROUP INC3 Filed as: HARDENBERGH INSURANCE GROUP IN | PO BOX 8000 MARLTON, NJ 08053 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.77% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GROUP, INC. | 8000 SAGEMORE DRIVE MARLTON, NJ 08053 | VISION BENEFITS OF AMERICA | $705 | — | $705 | 5.00% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GROUP INC | PO BOX 8000 MARLTON, NJ 08053 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $768 | — | $768 | 6.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES, INC. | ONE PENN SQUARE WEST 25TH FL PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $392 | — | $392 | 3.28% |
| EASLICK, ARTHUR, DOUGLAS3 | THE GRAHAM BUILDING 1 PENN SQ W PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 3.14% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $66 | $66 | 0.55% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NC 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$253 | — | -$253 | -2.19% |
| THE GRAHAM COMPANY3 | 30 SOUTH 15TH ST 23RD FL PHILADELPHIA, PA 19102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$507 | — | -$507 | -4.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN COMPANIES, INC. | ONE PENN SQUARE WEST 25TH FLOOR PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $300 | — | $300 | 6.64% |
| EASLICK, ARTHUR, DOUGLAS3 | THE GRAHAM BUILDING 1 PENN SQ W PHILADELPHIA, PA 19102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 2.26% |
| ASSUREX3 | 175 SOUTH 3RD STREET STE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $47 | $47 | 1.04% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $791K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 222 | $95K |
| Vision | VISION BENEFITS OF AMERICA | 111 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 213 | $73K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $66K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 206 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.