| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $8K | $44K | 10.69% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 3.74% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 2.47% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $63K | $8K | $72K | 22.59% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $2K | $27K | 8.49% |
| ENROLLMENT RESOURCES GROUP3 | 233 SOUTH WACKER DRIVE, SUITE 2000 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.41% |
| ASSUREX3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 0.75% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA | $19K | $0 | $19K | 10.30% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | TRANSAMERICA | $10K | $0 | $10K | 5.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 233 SOUTH WACKER DRIVE CHICAGO, IL 60606 | TRANSAMERICA | $2K | $0 | $2K | 0.88% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | NATIONAL VISION ADMINISTRATORS, L.L.C | $4K | $0 | $4K | 10.00% |
| LYONS COMPANIES3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | HEALTHIEST YOU | $2K | $0 | $2K | 15.00% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 250 | $11K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 946 | $270K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C | 797 | $42K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 847 | $409K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,664 | $318K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 847 | $409K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,664 | $923K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,664 | — |
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.