| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSAT ROAD BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $92K | $0 | $92K | 5.34% |
| STALKER & ASSOCIATES, INC.3 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | GUARDIAN | $1K | $0 | $1K | 1.41% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | GUARDIAN | $673 | $0 | $673 | 0.67% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.20% |
| STALKER & ASSOCIATES, INC.3 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.51% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $805 | $49 | $854 | 2.67% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | AFLAC | $681 | $0 | $681 | 2.13% |
| COURTNEY BANG3 | 924 N LEITHGOW ST PHILADELPHIA, PA 19123 | AFLAC | $488 | $101 | $589 | 1.84% |
| KATHLEEN PILEGGI3 | 628 TRUMAN CT HARLEYSVILLE, PA 19438 | AFLAC | $536 | $0 | $536 | 1.68% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $378 | $22 | $400 | 1.25% |
| MARYLEE SAULNIER-EBERT3 | 811 REDWOOD AVE WYOMISSIONG, PA 19610 | AFLAC | $333 | $0 | $333 | 1.04% |
| JOHN BRONKOVIC3 | 144 COMMONWEALTH DR NEWTOWN, PA 18940 | AFLAC | $278 | $0 | $278 | 0.87% |
| RANDALL D NAFTAL3 Filed as: RANDALL NAFTAL | 2 STATION SQ STE 201 37 NORTH VALLEY RD PAOLI, PA 19301 | AFLAC | $265 | $0 | $265 | 0.83% |
| STALKER & ASSOCIATES, INC.3 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | AFLAC | $252 | $0 | $252 | 0.79% |
| TIMOTHY J GOULET3 Filed as: TIMOTHY GOULET | 7774 NAVARRE PKWY APT 1209 NAVARRE, FL 32566 | AFLAC | $189 | $0 | $189 | 0.59% |
| KEVIN DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $90 | $0 | $90 | 0.28% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $74 | $0 | $74 | 0.23% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $60 | $5 | $65 | 0.20% |
| MICHAEL HECHT3 | 3301 ELLINGTON LN PHOENIXVILLE, PA 19460 | AFLAC | $55 | $0 | $55 | 0.17% |
| ALAN SAYLOR3 | 660 GARFIELD DR ELIZABETHTOWN, PA 17022 | AFLAC | $51 | $0 | $51 | 0.16% |
| JOSEPH FACCHIANO3 | 1827 W TILGHMAN ST 2ND FL ALLENTOWN, PA 18104 | AFLAC | $36 | $6 | $42 | 0.13% |
| GALEN BULLOCK3 | 1006 ROUNDHOUSE CT WEST CHESTER, PA 19380 | AFLAC | $37 | $0 | $37 | 0.12% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $35 | $0 | $35 | 0.11% |
| RUSSELL P LASNER3 Filed as: RUSSELL LASNER | 1001 TIMMONY CIR ACCOKEEK, MD 20607 | AFLAC | $32 | $0 | $32 | 0.10% |
| CECELIA WILLIAMS3 | 1429 WALNUT ST STE 601 PHILADELPHIA, PA 19102 | AFLAC | $28 | $0 | $28 | 0.09% |
| ROBERT R FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $17 | $2 | $19 | 0.06% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS JR | 325 CHESTNUT ST 8TH FL PHILADELPHIA, PA 19106 | AFLAC | $13 | $0 | $13 | 0.04% |
| MICHAEL P NORRIS3 Filed as: MICHAEL NORRIS | 200 DALLAM RD NEWARK, DE 19711 | AFLAC | $11 | $0 | $11 | 0.03% |
| GARY J BRENNAN II3 Filed as: GARY BRENNAN | 460 N CLAUDE A BLVD POTTSVILLE, PA 17901 | AFLAC | $9 | $1 | $10 | 0.03% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $6 | $1 | $7 | 0.02% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK CT VINELAND, NJ 08361 | AFLAC | $7 | $0 | $7 | 0.02% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $5 | $0 | $5 | 0.02% |
| ROSA ORTIZ3 | 4211 RANDY CT MAYS LANDING, NJ 08330 | AFLAC | $4 | $0 | $4 | 0.01% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $3 | $0 | $3 | 0.01% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOSHUA RANDALL HONG3 Filed as: JOSHUA HONG | 276 STONE RIDGE DR NORRISTOWN, PA 19403 | AFLAC | $2 | $0 | $2 | 0.01% |
| DIANNE L MARTIN3 Filed as: DIANNE MARTIN | 126 MANOR ST HARRISBURG, PA 17110 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL S STEIN3 Filed as: PAUL STEIN | 1633 E BUTLER PIKE AMBLER, PA 19002 | AFLAC | $1 | $0 | $1 | 0.00% |
| LARA ESCHBACH3 | 519 LANCASTER AVE FL2 MALVERN, PA 19355 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 32 | $1.7M |
| Dental | GUARDIAN | 128 | $101K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $86K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.