| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $6K | $14K | 11.53% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.59% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE | — | $7K | $7K | 8.37% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O DAGGETT III | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERICAN UNITED LIFE | $7K | — | $7K | 7.67% |
| WILLIAM O DAGGETT JR3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERICAN UNITED LIFE | $2K | $2K | $4K | 4.34% |
| KT HOLDCO INC.3 Filed as: KT HOLDCO INC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AMERICAN UNITED LIFE | — | $2K | $2K | 2.78% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $187K |
| KISTLER TIFFANY BENEFITS GENERAL AG EIN 84-3134502 BROKER | Other commissions Service code 55 | — | $74K |
| KISTLER TIFFANY BENEFITS CO EIN 23-3021992 BROKER | Other commissions Service code 55 | — | $7K |
| JAMES A SCOTT & SON, INC. EIN 54-0372970 BROKER | Other commissions Service code 55 | — | $954 |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $449K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $124K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 284 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $124K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $214K |
| Long-term disability | AMERICAN UNITED LIFE | 180 | $89K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $449K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.