| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $31K | $3K | $34K | 0.61% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.55% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $39K | — | $39K | 15.23% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $7K | — | $7K | 11.08% |
| JACQUELINE M EBERZ3 | 98 LAMP POST RD NEW BRITAIN, PA 18901 | AFLAC | $108 | — | $108 | 3.51% |
| JASON C KOSTIK3 | 120 W MORELAND AVE HATBORO, PA 19040 | AFLAC | $62 | — | $62 | 2.02% |
| EDWARD F MROWKA JR3 | 5106 TIMBER LN SCHNECKSVILLE, PA 18078 | AFLAC | $50 | — | $50 | 1.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SVCS., INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $43 | — | $43 | 1.40% |
| JOHN M HARTMAN3 | 1435 MUSEUM RD READING, PA 19610 | AFLAC | $17 | — | $17 | 0.55% |
| DELMAS R BUTLER JR3 | 46 S TULPEHOCKEN ST PINE GROVE, PA 17963 | AFLAC | $13 | — | $13 | 0.42% |
| WENDY M BOONE3 | 20990 CALAMITY GULCH LN LEAD, SD 55754 | AFLAC | $11 | — | $11 | 0.36% |
| STEPHEN D BISSELL3 | 5465 AMANDA DR LAURYS STATION, PA 18059 | AFLAC | $11 | — | $11 | 0.36% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $10 | — | $10 | 0.33% |
| JAMES ELDER BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $8 | — | $8 | 0.26% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $3 | — | $3 | 0.10% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.07% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $2 | — | $2 | 0.07% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.07% |
| DIANNE L MARTIN3 | 125 CAROLINE LN HARRISBURG, PA 17110 | AFLAC | $1 | — | $1 | 0.03% |
| CHRISTOPHER A LUPP3 | 5010 E TRINDLE RD STE 201 MECHANICSBURG, PA 17050 | AFLAC | $1 | — | $1 | 0.03% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $1 | — | $1 | 0.03% |
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 | 1,470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 773 | $5.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 774 | $256K |
| Vision | VISION SERVICE PLAN | 496 | $64K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,584 | $540K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,584 | $540K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,584 | $540K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 773 | $5.5M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,584 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,584 | — |
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.
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.