| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFIT | 400 BERWYN PARE, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS- KEYSTON | $27K | $0 | $27K | 5.71% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $10K | $0 | $10K | 5.57% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS | 413 MARLTON PIKE EAST SUITE 3 CHERRY HILL, NJ 08034 | GUARDIAN | $4K | — | $4K | 14.51% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINSTRATORS INC | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN | $601 | — | $601 | 2.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 301 INTERNATIONAL CIRCLE SPARKS, MD 21152 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | $3K | — | $3K | 13.75% |
| ENROLLEASE3 Filed as: KATZ/PEIERZ | 413 MARLTON PIKE EAST, SUITE 100 CHERRY HILL, NJ 08034 | VISION SERVICE PLAN | $583 | $0 | $583 | 7.00% |
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 | 80 | 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) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 21 | $180K |
| Dental | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC | 96 | $19K |
| Vision | VISION SERVICE PLAN | 80 | $8K |
| Life insurance | GUARDIAN | 77 | $30K |
| Long-term disability | GUARDIAN | 77 | $30K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 21 | $180K |
| Other | GUARDIAN | 77 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.