| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.21% |
| DEBORAH L MUMFORD3 | 142 BEACHFIELD DRIVE REHOBOTH BEACH, DE 19971 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.16% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 28940 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE CO. | $0 | $2K | $2K | 0.10% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.07% |
| DEBORAH L MUMFORD3 | 29419 CEDAR NECK RD OCEAN VIEW, DE 19970 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.38% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.68% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.42% |
| THOMAS BRZEZINSKI3 | 99 SUMMIT RD SPARTA, NJ 07871 | AFLAC | $2K | — | $2K | 5.32% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG HANSEN | 3303 LIBERTY LN WALL TOWNSHIP, NJ 07719 | AFLAC | $1K | — | $1K | 3.94% |
| MICHAEL P ZORN3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $331 | — | $331 | 1.10% |
| MICHAEL P ZORN3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $100 | — | $100 | 0.33% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $44 | — | $44 | 0.15% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $19 | — | $19 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IFS BENEFITS LLC EIN 30-0175063 BROKER | Insurance agents and brokers Service code 22 | 220 CONTINENTAL DRIVE SUITE 209 NEWARK, DE 19713 | $44K |
| AON CORPORATION BROKER | Insurance agents and brokers Service code 22 | 29840 NETWORK PLACE CHICAGO, IL 60673 | $9K |
| AON CONSULTING INC EIN 22-2232264 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE CO. | 193 | $1.6M |
| Dental | AETNA LIFE INSURANCE CO. | 193 | $1.5M |
| Vision | AETNA LIFE INSURANCE CO. | 193 | $1.5M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $116K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $116K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $116K |
| Other(3 contracts, 3 carriers) | AFLAC | 35 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.