| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 6.43% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.00% |
| AON CONSULTING INC3 | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $61K | — | $61K | 42.21% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGY | 400 BERWYN PARK BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $7K | $9K | $16K | 10.86% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 10.30% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGY | 400 BERWYN PARK BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 10.17% |
| AON CONSULTING INC3 | 555 E. LANCASTER AVENUE SUITE 300 RADNOR, PA 19087 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 148.03% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | INDEPENDENCE BLUE CROSS | 199 | $148K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 256 | $110K |
| Vision | INDEPENDENCE BLUE CROSS | 199 | $145K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $240K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $240K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 199 | $145K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
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.