| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH AMERICAN BENEFITS COMPANY3 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | STANDARD INSURANCE COMPANY | $0 | $16K | $16K | 21.16% |
| THOMAS J. INGELSBY3 Filed as: THOMAS J INGELSBY | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $8K | — | $8K | 17.05% |
| MICHAEL P TROY3 Filed as: MICHAEL TROY | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $8K | — | $8K | 17.05% |
| NORTH AMERICAN BENEFITS COMPANY5 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.00% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O DAGGETT, JR. | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN'L AGEN | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $790 | — | $790 | 1.74% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 899 CASSATT RD STE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $341 | — | $341 | 3.70% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $8 | — | $8 | 0.09% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 83 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 185 | $77K |
| Short-term disability | STANDARD INSURANCE COMPANY | 185 | $77K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 175 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.