| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $64K | $0 | $64K | 3.48% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENFTS GENERAL AGY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 7.78% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $114 | $0 | $114 | 0.10% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.56% |
| STEPHEN S. SINISI3 | 26 THE GLEN CEDAR GROVE, NJ 07009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $992 | $0 | $992 | 0.84% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | $0 | $50 | 0.04% |
| STEPHEN S. SINISI3 | 251 MONTGOMERY STREET BLOOMFIELD, NJ 07003 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.66% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 174 | $1.9M |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $236K |
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $236K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 251 | $72K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 174 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.