| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FLOOR MEDIA, PA 19063 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $77K | $0 | $77K | 6.99% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLERTIFFANY BENFITS GENERAL AGEN | 899 CASSATT RD STE 200 BERWYN, PA 19312 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $77K | $0 | $77K | 6.99% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $201 | $201 | 0.02% |
| BENESERV, INC.3 Filed as: BENESERV CORPORATE | 15 E FRONT ST MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $103K | $0 | $103K | 9.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $51K | $51K | 4.96% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24E 2ND ST 1ST FLOOR MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 17.52% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENFITS GEN | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.88% |
| EMERSON REID LLC3 | 4651 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.81% |
| BENESERV, INC.3 Filed as: BENESERV INC | 15 E FRONT ST MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $907 | $0 | $907 | 8.47% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $453 | $453 | 4.23% |
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 | 1,216 | 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) | 1,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,434 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,101 | $1.1M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,101 | $1.1M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,101 | $1.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,216 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.