| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | KEYSTONE HEALTH PLAN EAST | $12K | — | $12K | 0.56% |
| BENEFITS PROCESSING INC5 | 20 BRACE RD STE 114 CHERRY HILL, NJ 08034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $742 | — | $742 | 5.00% |
| BENEFITS PROCESSING INC5 | 20 BRACE RD SUITE 114 CHERRY HILL, NJ 08034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80 | — | $80 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED INDEPENDENT UNION EIN 23-1722780 NONE | Claims processing Service code 12 | — | $76K |
| BENEFIT PROCESSING INC EIN 23-2204388 NONE | Consulting fees; Consulting (general) Service code 16 | — | $63K |
| RICHARD GABRIEL ASSOCIATES EIN 23-2817579 NONE | Actuarial; Consulting fees; Consulting (general) Service code 11 | — | $22K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment advisory (plan) Service code 27 | — | $21K |
| BARATZ & ASSOCIATES, P.A. EIN 22-2212404 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal Service code 29 | — | $10K |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST | 459 | $2.2M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF PA | 402 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $15K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.