| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $96K | $1K | $98K | 6.23% |
| PCF INSURANCE SERVICES OF THE WEST3 | 615 NORTH CAPITAL AVE LANSING, MI 48933 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.17% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.45% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.36% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: NATIONAL PCF BONUS ONLY | 2500 W EXECUTIVE PKWY STE 200 LEHI, UT 84043 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.16% |
| PCF INSURANCE SERVICES OF THE WEST3 | PO BOX 249 MONTGOMERYVILLE, PA 18936 | EYEMED | $2K | $0 | $2K | 9.88% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 371 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $138K |
| Vision | EYEMED | 303 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.