| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 9.50% |
| THOMAS J. INGELSBY3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.12% |
| 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 | $2K | $3K | 3.45% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| MICHAEL P TROY3 Filed as: MICHAEL TROY | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $225 | $78 | $303 | 0.37% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $3K | $3K | 9.24% |
| THOMAS J. INGELSBY3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $903 | $0 | $903 | 2.88% |
| LAURA MARTIN3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $770 | $770 | 2.46% |
| MICHAEL P TROY5 Filed as: MICHAEL TROY | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $506 | $0 | $506 | 1.61% |
| 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 | $154 | $273 | $427 | 1.36% |
| 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 | $146 | $256 | $402 | 1.28% |
| TERESA BURNS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $154 | $154 | 0.49% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 158 | $83K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 158 | $83K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 62 | $31K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 158 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.