| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFT GNRL AGNCY LLC | 400 BERWYN PARK, SUITE 200 BETWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $32K | $664 | $33K | 4.67% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFT GNRL AGNCY LLC | 400 BERWYN PARK, SUITE 200 BETWYN, PA 19312 | KEYSTONE | $39K | $279 | $40K | 7.04% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFT GNRL AGNCY LLC | 400 BERWYN PARK, SUITE 200 BETWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $0 | $279 | $279 | 0.24% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | ELLIS PRESERVE NEWTOWN SQUARE, PA 19073 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $8K | $2K | $9K | 14.46% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | UNKNOWN HAVERTOWN, PA 19083 | DELTA DENTAL OF PENNSYLVANIA | $4K | $0 | $4K | 6.00% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | VBA MANAGED VISION CARE | $454 | $0 | $454 | 5.00% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 90 | $1.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 177 | $65K |
| Vision | VBA MANAGED VISION CARE | 120 | $9K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 168 | $65K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 168 | $65K |
| Prescription drug(2 contracts) | INDEPENDENCE BLUE CROSS | 90 | $815K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 168 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.