| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENER | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $11K | $19K | 13.59% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE E STE 300 CHERRY HILL, NJ 080342483 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $136 | $3K | 3.88% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PK, STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.22% |
| ENROLLEASE3 Filed as: KATZ/PIERZ | 413 MARLTON PIKE EAST STE 300 CHERRY HILL, NJ 08034 | DENTAL SERVICES ORGANIZATIONS, LLC | $1K | $0 | $1K | 4.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRIADA HEALTH, LLC EIN 82-5371810 PLAN ADMIN | Plan Administrator Service code 14 | — | $762K |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $170K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $138K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $138K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.