| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | KEYSTONE | $97K | $0 | $97K | 9.31% |
| SAVOY ASSOCIATES3 Filed as: DONALD C. SAVOY ASSOCIATES | 445 BROADHOLLOW RD STE 119 BERKLEY HEIGHTS, NJ 07922 | KEYSTONE | $49 | $0 | $49 | 0.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY STE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 12.55% |
| POWER-KUNKLE GROUP INC3 Filed as: POWER KUNKLE GROUP INC | 999 BERKSHIRE BLVD STE 160 PO BOX 6243 WYOMISSING, PA 19610 | GUARDIAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 8.84% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | AHPA HMO | $6K | $0 | $6K | 10.55% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE | 185 | $1.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 256 | $222K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 256 | $222K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 256 | $222K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 256 | $222K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 256 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
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.