| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENER | 400 BERWYN PARK STE 200 899 CASSLT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 10.35% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $593 | $2K | 3.12% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $3K | $551 | $4K | 8.92% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENER | 400 BERWYN PK #200 899 CASSALT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $3K | $697 | $4K | 8.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $65K |
| TIMOTHY W MCANENEY BROKER | Insurance agents and brokers Service code 22 | 9 EVES DRIVE SUITE 150 MARLTON, NJ 08053 | $61K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| KISTLER-TIFFANY BENEFITS COMPANY EIN 23-3021992 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 335 | $74K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $69K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 129 | $377K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.