| 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 | $142K | $1K | $143K | 8.63% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | INDEPENDENCE BLUE CROSS | $19K | $10K | $29K | 1.77% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | INDEPENDENCE BLUE CROSS | — | $8K | $8K | 1.18% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $77 | $979 | $1K | 0.15% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.09% |
| ASSUREDPARTNERS3 Filed as: CREATIVE BENFITS INC., | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.51% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.15% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.06% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS, INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $11K | $87 | $11K | 10.33% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 5.07% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $606 | $100 | $706 | 2.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 400 GALLERIA PKWY SE STE 300 ATLANTA, GA 30339 | AFLAC | $477 | — | $477 | 1.88% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE STE 190 NEWTOWN SQUARE, PA 19073 | AFLAC | $435 | — | $435 | 1.71% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $203 | $23 | $226 | 0.89% |
| BONNIE H DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $202 | $23 | $225 | 0.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $167 | — | $167 | 0.66% |
| SUZANNE M PRATOWSKI3 | 219 SUGARTOWN RD APT F203 WAYNE, PA 19087 | AFLAC | $120 | — | $120 | 0.47% |
| ROSEMARY GRASSO MOSKOWITZ3 | 147 ASHLAND AVE BALA CYNWYD, PA 19004 | AFLAC | $119 | — | $119 | 0.47% |
| NANCY L CREW3 | 201 YORK RD, STE 1 BOX 739 JENKINTOWN, PA 19046 | AFLAC | $70 | — | $70 | 0.28% |
| AJA IGLESIAS3 | 1922 LAFAYETTE RD GLADWYNE, PA 19035 | AFLAC | $69 | — | $69 | 0.27% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $46 | — | $46 | 0.18% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR D. WILLIAMS, JR | 325 CHESTNUT ST STE 8 PHILADELPHIA, PA 19106 | AFLAC | $46 | — | $46 | 0.18% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J.JUNIKIEWICZ, JR | 22 BROOK HOLLOW DR. SINKING SPRING, PA 19608 | AFLAC | $35 | — | $35 | 0.14% |
| STEPHANIE A CANFIELD3 | 529 FAYETTE ST STE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $24 | — | $24 | 0.09% |
| JOSE A SCHIENEMAN3 | 1881 S CARRIAGE LN CHANDLER, AZ 85286 | AFLAC | $22 | — | $22 | 0.09% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $16 | — | $16 | 0.06% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $7 | — | $7 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1756 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $5 | — | $5 | 0.02% |
| MATTHEW G BERGER3 | 203 HAVERFORD AVE #205 NARBERTH, PA 19072 | AFLAC | $4 | — | $4 | 0.02% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.01% |
| DARREN D RIDDLE3 Filed as: DARREN DWAYNE RIDDLE | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $2 | — | $2 | 0.01% |
| MARTIN E BYSTROM3 Filed as: MARTIN E BYSTRON | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $2 | — | $2 | 0.01% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.01% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | VISION BENEFITS OF AMERICA | $409 | — | $409 | 2.37% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER STREET P.O. BOX 99106 CAMDEN, NJ 08101 | VISION BENEFITS OF AMERICA | $182 | — | $182 | 1.05% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 381 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $124K |
| Vision | VISION BENEFITS OF AMERICA | 269 | $17K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 471 | $136K |
| Short-term disability | AFLAC | 27 | $25K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 471 | $111K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 325 | $713K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 471 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.