| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICE, INC. | $44K | $13K | $56K | 4.39% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $11K | $26K | 17.63% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.51% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $719 | $3K | 11.19% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $270 | $2K | 8.94% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 Filed as: O'NEILL VOLUNTARY BENEFIT SOLUTIONS | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $543 | $0 | $543 | 2.31% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $8 | $102 | 0.43% |
| EDUARDO TUCTO3 | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $15 | $56 | 0.24% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.12% |
| BRYLIN EMPLOYEE BENEFITS LLC3 Filed as: BRYLIN EMP. BENF. AND OTHER AGENTS | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.09% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICE, INC. | 83 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $150K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $150K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $150K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $150K |
| Prescription drug | HORIZON HEALTHCARE SERVICE, INC. | 83 | $1.3M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.