| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $108K | $108K | 3.84% |
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING | 2600 KELLY DRIVE, SUITE 300 WARRINGTON, PA 189763622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.27% |
| BIRCH BENEFITS LLC3 | 480 E SWEDESFORD ROAD, SUITE 130 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES PA INC | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 189763622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58 | $58 | 0.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19132 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 3.55% |
| CHARRON PLANNING CORP3 Filed as: CHARRON PLANNING | 2800 KELLY DRIVE, SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.92% |
| BIRCH BENEFITS LLC3 | 480 EAST SWEDESFORD ROAD, SUITE 300 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $825 | — | $825 | 0.66% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.05% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 WAYNE, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.72% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $487 | — | $487 | 12.01% |
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 | 392 | 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) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 315 | $125K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 315 | $125K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 392 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $20K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 392 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.