| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENL AGCY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $58K | — | $58K | 2.91% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $2K | — | $2K | 3.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $2K | — | $2K | 2.02% |
| DONALD J CONTROY JR3 | 2 FAIRWAY DR WARMINSTER, PA 18974 | AFLAC | $862 | — | $862 | 1.15% |
| CONLON AND ASSOCIATES LLC3 Filed as: CONLON & ASSOCIATES LLC | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $527 | — | $527 | 0.71% |
| MICHELE L BOGRETTE3 | 109 BELLE VISTA CT WINSTON SALEM, NC 27106 | AFLAC | $412 | — | $412 | 0.55% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $400 | — | $400 | 0.54% |
| MICHAEL HECHT3 | 3301 ELLINGTON LN PHOENIXVILLE, PA 19460 | AFLAC | $392 | — | $392 | 0.52% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $314 | — | $314 | 0.42% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $278 | — | $278 | 0.37% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENE GEN AGY LLC | 899 CASSATT RD STE 200 BERWYN, PA 19312 | AFLAC | $250 | — | $250 | 0.33% |
| NANCY AMICON3 | 301 DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $155 | — | $155 | 0.21% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $152 | — | $152 | 0.20% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $131 | — | $131 | 0.18% |
| TIMOTHY J GOULET3 | PO BOX 5488 NAVARRE, FL 32566 | AFLAC | $109 | — | $109 | 0.15% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | AFLAC | $106 | — | $106 | 0.14% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $103 | — | $103 | 0.14% |
| CYNTHIA MUELLER3 | 3295 BURNS DR THE VILLAGES, FL 32163 | AFLAC | $73 | — | $73 | 0.10% |
| JAMES M MCELDERRY3 | 1114 BAYFRONT APT D28 OCEAN CITY, NJ 08226 | AFLAC | $67 | — | $67 | 0.09% |
| JOHN J FERRANTE3 | 4911 EDGEWOOD RD DOYLESTOWN, PA 18902 | AFLAC | $65 | — | $65 | 0.09% |
| BONNIE DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $62 | — | $62 | 0.08% |
| JOANN HARTSOCK3 | 16 ROBYN LN DOYLESTOWN, PA 18901 | AFLAC | $47 | — | $47 | 0.06% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $32 | — | $32 | 0.04% |
| NANCY L CREW3 | 106 WOODLYN AVE APT 3 GLENSIDE, PA 19038 | AFLAC | $24 | — | $24 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $19 | — | $19 | 0.03% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $17 | — | $17 | 0.02% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $16 | — | $16 | 0.02% |
| MARY KAYE WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $12 | — | $12 | 0.02% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $11 | — | $11 | 0.01% |
| CAROLYN E MORRISON3 | 293 SHELL RD CARNEYS POINT, NJ 08069 | AFLAC | $9 | — | $9 | 0.01% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $7 | — | $7 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GENL AGCY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 11.88% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GENL AGCY | 400 BERWYN PK #200 BERWYN, PA 19312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.70% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 93 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 95 | $69K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $58K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 112 | $133K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $58K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 93 | $2.0M |
| Other | AFLAC | 55 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.