| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN. AGCY LLC | 400 BERWYN PARK, 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | $770 | $2K | $3K | 0.24% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN. AGCY LLC | 899 CASSATT ROAD, SUITE 200 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 8.76% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $545 | $7K | 6.02% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN. AGCY LLC | UNKNOWN BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $0 | $10K | 18.93% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GEN. AGCY LLC | UNKNOWN BERWYN, PA 19312 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA, INC. | $1K | $0 | $1K | 15.69% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 165 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 139 | $63K |
| Vision | AETNA LIFE INSURANCE COMPANY | 165 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $115K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $115K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $115K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 165 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 291 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.