| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $54K | $67K | 7.16% |
| BRADLEY A DAGGETT3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.63% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 8.59% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | $999 | $2K | 7.18% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O DAGGETT, JR. | 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $666 | $666 | 2.00% |
| BRADLEY A DAGGETT3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.06% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $2K | $2K | 8.50% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | $1K | $471 | $2K | 7.35% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O DAGGETT JR. | 899 CASSATT RD, SUITE 200 BERWYN, PA 19312 | KANSAS CITY LIFE INSURANCE COMPANY | — | $236 | $236 | 1.00% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 198 | $937K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 182 | $33K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 70 | $24K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 182 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.