| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS LLC | 600 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $3K | $11K | 11.93% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 7.09% |
| MF IRVINE COMPANIES LLC3 Filed as: M.F. IRVINE COMPANIES, LLC | 125 E ELM ST SUITE 210 CONSHOHOCKEN, PA 194284150 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 2.98% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $5K | $2K | $8K | 21.98% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $4K | $2K | $5K | 18.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 18.24% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 600 AMERICAN AVE STE 101 KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $951 | $0 | $951 | 6.08% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 189 | $178K |
| Vision | VISION SERVICE PLAN | 152 | $16K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $114K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $121K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $126K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.