| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $48K | $5K | $53K | 5.85% |
| KISTLER TIFFANY BENEFITS3 | 2124 RACE ST PHILADELPHIA, PA 19103 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $5K | $11K | 12.03% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | GUARDIAN LIFE INSURANCE COMPANY | $90 | $0 | $90 | 0.10% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.03% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O. DAGGETT JR. | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.17% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PKWY STE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.21% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O. DAGGETT JR. | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $793 | $2K | 4.40% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.68% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | VISION INSURANCE | $814 | $0 | $814 | 10.84% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 241 | $907K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 127 | $94K |
| Vision | VISION INSURANCE | 209 | $8K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 127 | $94K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 127 | $141K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $47K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 127 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.