| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 899 CASSATT ROAD BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 0.88% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 660 AMERICAN AVENUE SUITE 101 KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $12K | 8.38% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 5.38% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE COLUTIONS | 24 E 2ND STREET 1ST FLOOR MEDIA, PA 19063 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 34.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 17.32% |
| DIGITAL INSURANCE LLC3 | 660 AMERICAN AVENUE SUITE 101 KING OF PRUSSIA, PA 19406 | THE GUARDIAN LIFE INSURANCE COMPANY | $570 | $0 | $570 | 5.35% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP LLC | 1767 SENTRY PARKWAY BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE BROKER | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | $17K |
| KISTLER-TIFFANY BENEFITS EIN 23-3021992 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 140 | $993K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $137K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $137K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $137K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $137K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $137K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 169 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.