| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | HEALTHKEEPERS INC. | $6K | $1K | $8K | 2.06% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | DELTA DENTAL OF NJ, INC. | $6K | $0 | $6K | 5.41% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO. | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | USABLE LIFE | $16K | $0 | $16K | 30.91% |
| HORIZON INSURANCE COMPANY5 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $12K | $12K | 23.82% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNITED AMERICAN INSURANCE COMPANY | $116K | $0 | $116K | 705.65% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO. | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | EXPRESS SCRIPTS, INC. | $300 | $0 | $300 | 2.26% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $666 | $0 | $666 | 6.68% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS INC. | 38 | $386K |
| Dental | DELTA DENTAL OF NJ, INC. | 336 | $112K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS INC. | 252 | $379K |
| Life insurance | USABLE LIFE | 367 | $51K |
| Short-term disability | USABLE LIFE | 367 | $51K |
| Long-term disability | USABLE LIFE | 367 | $51K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 5 | $13K |
| Other | USABLE LIFE | 367 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.