| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | HIGHMARK DELAWARE | $64K | $0 | $64K | 5.73% |
| HUDSON PLANNING GROUP INC3 Filed as: HUDSON PLANNING GROUP | 17 HUNTSMAN DRIVE GARNET VALLEY, PA 19060 | HARTFORD LIFE | $9K | $4K | $13K | 16.50% |
| HUDSON PLANNING GROUP INC3 Filed as: HUDSON PLANNING GROUP | 1521 CONCORD PIKE SUITE 301 WILMINGTON, DE 19803 | AMERITAS LIFE INSURANCE CORP | $3K | $0 | $3K | 3.87% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $1K | $32 | $1K | 5.69% |
| WILLIAM B EVANS3 Filed as: WILLIAM EVANS | 277 HYDE PARK RD LANDENBERG, PA 19350 | AFLAC | $730 | $23 | $753 | 3.72% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE WEINER ASSOCIATES INC | 2961 CENTERVILLE ROAD SUITE 300 WILMINGTON, DE 19808 | AFLAC | $307 | $0 | $307 | 1.52% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 254 CHAPMAN ROAD SUITE 203 NEWARK, DE 19702 | AFLAC | $227 | $9 | $236 | 1.17% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $117 | $0 | $117 | 0.58% |
| JOHN DEPRISCO JR3 | 573 BELLEVUE RD SUITE B NEWARD, DE 19713 | AFLAC | $78 | $0 | $78 | 0.39% |
| KENNETH B COFER3 Filed as: KENNETH COFER | 5960 SYMPHONY WOODS RD, SUITE 214 COLUMBIA, MD 21044 | AFLAC | $64 | $0 | $64 | 0.32% |
| EDWARD BARNEY DAVIS3 | 2023 BRENTWOOD CT WILMINGTON, DE 19804 | AFLAC | $64 | $0 | $64 | 0.32% |
| NANCY LEE COMBS3 | 221 W HIGH ST ELKTON, MD 21921 | AFLAC | $33 | $0 | $33 | 0.16% |
| NANCY LEE COMBS3 | 221 W HIGH STREET ELKTON, MD 21921 | AFLAC | $16 | $0 | $16 | 0.08% |
| JAY W COMBS3 Filed as: JAY COMBS | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $12 | $0 | $12 | 0.06% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $7 | $0 | $7 | 0.03% |
| JAY W COMBS3 Filed as: JAY COMBS | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $6 | $0 | $6 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $5 | $0 | $5 | 0.02% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.01% |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | $0 | $2 | 0.01% |
| VINCENT J ROWAN3 Filed as: VINCENT ROWAN | 4447 E THOMPSON ST PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 2.73% |
| CYNTHIA WHALEN3 | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 2.02% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 1.01% |
| WILLIAM E GOOD3 Filed as: WILLIAM GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.54% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 190 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 330 | $74K |
| Vision | AMERITAS LIFE INSURANCE CORP | 330 | $74K |
| Life insurance | HARTFORD LIFE | 210 | $79K |
| Short-term disability | HARTFORD LIFE | 210 | $79K |
| Long-term disability | HARTFORD LIFE | 210 | $79K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE | 210 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.