| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSAT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $52K | $0 | $52K | 5.81% |
| STALKER & ASSOCIATES, INC.3 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | FLAGSHIP HEALTH SYSTEMS | $561 | $561 | $1K | 5.18% |
| STALKER & ASSOCIATES, INC.3 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | DELTA DENTAL | $843 | $0 | $843 | 3.95% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | DELTA DENTAL | $310 | $0 | $310 | 1.45% |
| STALKER & ASSOCIATES, INC.3 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | RELIANCE STANDARD | $1K | $0 | $1K | 7.08% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | RELIANCE STANDARD | $351 | $0 | $351 | 1.66% |
| STALKER & ASSOCIATES, INC.3 Filed as: STALKER & ASSOCIATES INC | 301 S STATE ST STE S103 NEWTOWN, PA 18940 | RELIANCE STANDARD | $1K | $0 | $1K | 7.76% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | RELIANCE STANDARD | $351 | $0 | $351 | 1.82% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 63 | $888K |
| Dental(2 contracts, 2 carriers) | FLAGSHIP HEALTH SYSTEMS | 56 | $43K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 124 | $40K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 63 | $888K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.