| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $38K | — | $38K | 5.17% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, NJ 08075 | INDEPENDENCE BLUE CROSS | $4K | — | $4K | 5.19% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.77% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNITED CONCORDIA COMPANIES, INC. | $1K | — | $1K | 4.59% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.48% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNITED CONCORDIA DENTAL PLANS OF PENNSYLVANIA | $614 | — | $614 | 5.84% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $496 | — | $496 | 9.17% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $451 | — | $451 | 13.67% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 12 | $82K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA COMPANIES, INC. | 73 | $38K |
| Vision | VISION SERVICE PLAN | 79 | $5K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $22K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.