| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $148K | — | $148K | 5.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | INDEPENDENCE BLUE CROSS | $10K | — | $10K | 0.40% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTOWN ROAD #403 LANGHORNE, PA 19047 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 7.08% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 4.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $6K | $3K | $9K | 4.16% |
| ENROLLEASE3 Filed as: ONE DIGITAL SERVICES LLC | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS LLC T/A GMG INSURANCE | 1717 LANGHORNE NEWTOWN ROAD SUITE 403 LANGHORNE, PA 19047 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 7.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 4.00% |
| DARLENE S DILLON3 | 120 WOODSIDE ROAD LEXINGTON, SC 29072 | AFLAC | $3K | — | $3K | 24.27% |
| ENROLLEASE3 Filed as: ONE DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | AFLAC | $3K | — | $3K | 20.16% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW T O HANLON | 529 FAYETTE STREET SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $650 | — | $650 | 5.07% |
| BONNIE J BORDEN3 Filed as: BONNIE BORDEN | 55 EAST END AVENUE CARNEYS POINT, NJ 08069 | AFLAC | $486 | — | $486 | 3.79% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $63 | — | $63 | 0.49% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE STREET SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $55 | — | $55 | 0.43% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 439 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 272 | $194K |
| Vision | STANDARD INSURANCE COMPANY | 199 | $216K |
| Life insurance | STANDARD INSURANCE COMPANY | 199 | $216K |
| Short-term disability | STANDARD INSURANCE COMPANY | 199 | $216K |
| Long-term disability | STANDARD INSURANCE COMPANY | 199 | $216K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 215 | $479K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 199 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.