| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 0.58% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD SUITE 200 BERWYN, PA 19312 | USABLE LIFE | $2K | $0 | $2K | 12.77% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $1K | $1K | 7.37% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY GEN AGCY | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | USABLE LIFE | $370 | $0 | $370 | 1.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $233 | $0 | $233 | 1.23% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD SUITE 200 BERWYN, PA 19312 | USABLE LIFE | $1K | $0 | $1K | 10.99% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $878 | $878 | 6.99% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGCY | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | USABLE LIFE | $247 | $0 | $247 | 1.97% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $129 | $0 | $129 | 1.03% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 129 | $1.1M |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 129 | $1.1M |
| Life insurance | USABLE LIFE | 131 | $13K |
| Long-term disability | USABLE LIFE | 87 | $19K |
| Other | USABLE LIFE | 131 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.