| 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 | $71K | $9K | $81K | 5.73% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSAT ROAD BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $13K | $2K | $15K | 4.95% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | GUARDIAN | $2K | $0 | $2K | 2.10% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 9.09% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | AFLAC | $940 | $0 | $940 | 4.32% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $655 | $21 | $676 | 3.11% |
| KEVIN DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $277 | $66 | $343 | 1.58% |
| MARYLEE SAULNIER-EBERT3 | 811 REDWOOD AVE WYOMISSING, PA 19610 | AFLAC | $258 | $0 | $258 | 1.19% |
| JOHN BRONKOVIC3 | 144 COMMONWEALTH DR NEWTOWN, PA 18940 | AFLAC | $218 | $0 | $218 | 1.00% |
| RANDALL D NAFTAL3 Filed as: RANDALL NAFTAL | 2 STATION SQ 37 NORTH VALLEY RD PAOLI, PA 19301 | AFLAC | $178 | $0 | $178 | 0.82% |
| STALKER & ASSOCIATES, INC.0 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | AFLAC | $176 | $0 | $176 | 0.81% |
| KATHLEEN PILEGGI3 | 628 TRUMAN CT HARLEYSVILLE, PA 19438 | AFLAC | $116 | $39 | $155 | 0.71% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $148 | $2 | $150 | 0.69% |
| TIMOTHY J GOULET3 Filed as: TIMOTHY GOULET | 7774 NAVARRE PKWY APT 1209 NAVARRE, FL 32566 | AFLAC | $135 | $0 | $135 | 0.62% |
| MICHAEL P NORRIS3 Filed as: MICHAEL NORRIS | 200 DALLAM RD NEWARK, DE 19711 | AFLAC | $108 | $0 | $108 | 0.50% |
| GARY J BRENNAN II3 Filed as: GARY BRENNAN | 460 N CLAUDE A LORD BLVD POTTSVILLE, PA 17901 | AFLAC | $7 | $50 | $57 | 0.26% |
| EXCEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $48 | $0 | $48 | 0.22% |
| ALAN SAYLOR3 | 660 GARFIELD DR ELIZABETHTOWN, PA 17022 | AFLAC | $38 | $0 | $38 | 0.17% |
| CECILIA K WILLIAMS3 Filed as: CECILIA WILLIAMS | 1429 WALNUT ST STE 601 PHILADELPHIA, PA 19102 | AFLAC | $28 | $0 | $28 | 0.13% |
| MATTHEW G BERGER3 Filed as: MATTHEW BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $16 | $0 | $16 | 0.07% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $16 | $0 | $16 | 0.07% |
| RUSSELL P LASNER3 Filed as: RUSSELL LASNER | 1001 TIMMONY CIR ACCOKEEK, MD 20607 | AFLAC | $15 | $0 | $15 | 0.07% |
| IRENE E BROOKS3 Filed as: IRENE BROOKS | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $13 | $0 | $13 | 0.06% |
| CAESAR D WILLIAMS JR3 Filed as: CAESAR WILLIAMS JR | 325 CHESTNUT ST 8TH FL PHILADELPHIA, PA 19106 | AFLAC | $13 | $0 | $13 | 0.06% |
| DEBORAH POPPERT3 | 1762 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $9 | $0 | $9 | 0.04% |
| JOSEPH FACCHIANO3 | 1827 W TILGHMAN ST 2ND FL ALLENTOWN, PA 18104 | AFLAC | $8 | $0 | $8 | 0.04% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK CT VINELAND, NJ 08361 | AFLAC | $7 | $0 | $7 | 0.03% |
| ROBERT R FRIEDMAN3 | 8163 LARK ST FOGELSVILLE, PA 18051 | AFLAC | $6 | $0 | $6 | 0.03% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $5 | $0 | $5 | 0.02% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | $0 | $5 | 0.02% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $3 | $0 | $3 | 0.01% |
| JACQUELINE EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $3 | $0 | $3 | 0.01% |
| ROSA ORTIZ3 | 4211 SANDY CT MAYS LANDING, NJ 08330 | 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% |
| MARTIN E BYSTROM3 Filed as: MARTIN BYSTROM | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | $0 | $1 | 0.00% |
| THOMAS J POPPERT3 Filed as: THOMAS POPPERT | 1001 RAY COSTIN WAY UNIT 1601 MURRELS INLET, SC 29576 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALBERT SHUST3 | 200 CENTENNIAL AVESTE 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 Filed as: LARA ESCHBACK | 519 LANCASTER AVE FL 2 MALVERN, PA 19355 | AFLAC | $1 | $0 | $1 | 0.00% |
| RYAN GOLDBERG3 | 103CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $1 | $0 | $1 | 0.00% |
| DARREN RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | 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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 120 | $1.7M |
| Dental | GUARDIAN | 129 | $98K |
| Vision | INDEPENDENCE BLUE CROSS | 20 | $293K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $90K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 20 | $293K |
| Other | AFLAC | 23 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.