| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | CIGNA | $55K | $22K | $76K | 15.37% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 9.10% |
| BRADLEY A DAGGETT3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.57% |
| ALAN GOOD JR3 | 75 NORTH COLLEGE AVENUE FLOURTOWN, PA 19031 | MADISON NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.68% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $171 | $171 | 0.23% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O DAGGETT, JR. | 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $102 | $102 | 0.14% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.94% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 121 | $496K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 100 | $53K |
| Vision | CIGNA | 121 | $496K |
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 197 | $74K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 197 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.