| 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 | AETNA LIFE INSURANCE CO. | $50K | — | $50K | 5.33% |
| CENTURION BENEFITS, LLC3 Filed as: CENTURION BENEFITS LLC | 610 WEST GERMANTOWN PIKE, SUITE 350 PLYMOUTH MEETING, PA 19462 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 11.26% |
| LIAZON BENEFITS INC5 | 199 SCOTT STREET, EIGHTH STREET BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 5.02% |
| PENNSYLVANIA AUTO ASSOC INS AGENCY3 | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 6.23% |
| PAA SERVICES INC3 Filed as: PAA SERVICES, INC. | 1925 NORTH FRONT STREET HARRISBURG, PA 17105 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $570 | $570 | 1.22% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 188 | $981K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $94K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $94K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $140K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $140K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 91 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.