| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS J. INGELSBY3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $4K | $823 | $5K | 9.12% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 8.50% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O. DAGGETT JR. | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 3.90% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $3K | $3K | 11.00% |
| LAURA MARTIN3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.38% |
| THOMAS J. INGELSBY3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $663 | — | $663 | 2.10% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $277 | $263 | $540 | 1.71% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O. DAGGET JR. | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $166 | $263 | $429 | 1.36% |
| TERESA BURNS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $277 | $277 | 0.88% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 147 | $55K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 147 | $55K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 63 | $32K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 147 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.