| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GNRL AGNCY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $53K | — | $53K | 2.48% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENER | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | GUARDIAN | $6K | $3K | $10K | 14.28% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | GUARDIAN | $1K | — | $1K | 2.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENL AGNCY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | UNITED CONCORDIA COMAPNIES INC | $7K | — | $7K | 10.26% |
| THOMAS B DAVIS3 | 835 ROSEHILL DR KING OF PRUSSIA, PA 19406 | AFLAC | $2K | $89 | $2K | 4.33% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $1K | — | $1K | 1.85% |
| DONALD J CONTROY JR3 | 2 FAIRWAY DR WARMINSTER, PA 18974 | AFLAC | $761 | — | $761 | 1.33% |
| NANCY AMICON3 | 301 DEERHAVEN WAY GLENMOORE, PA 19343 | AFLAC | $308 | $15 | $323 | 0.57% |
| CONLAN & ASSOCIATES LLC3 | PO BOX 402 BRIDGEPORT, PA 19405 | AFLAC | $318 | — | $318 | 0.56% |
| MICHAEL HECHT3 | 3301 ELLINGTON LN PHOENIXVILLE, PA 19460 | AFLAC | $274 | — | $274 | 0.48% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $267 | — | $267 | 0.47% |
| MICHELE L BOGRETTE3 | 109 BELLE VISTA CT WINSTON SALEM, NC 27106 | AFLAC | $264 | — | $264 | 0.46% |
| MAIN LINE BENEFIT SOLUTIONS LLC3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $252 | — | $252 | 0.44% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $224 | — | $224 | 0.39% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENE GEN AGY LLC | 899 CASSATT RD STE 200 BERWYN, PA 19312 | AFLAC | $196 | — | $196 | 0.34% |
| BONNIE H DROBNES3 | 118 BEAUMONT PL LOWER GWYNEDD, PA 19002 | AFLAC | $170 | $15 | $185 | 0.32% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | AFLAC | $117 | — | $117 | 0.21% |
| BRADLEY S JONES3 | 19 BRITISH AMERICAN BLVD W LATHAM, NY 12110 | AFLAC | $108 | — | $108 | 0.19% |
| TIMOTHY J GOULET3 | PO BOX 5488 NAVARRE, FL 32566 | AFLAC | $100 | — | $100 | 0.18% |
| MATTHEW G BERGER3 | 10 UNION AVE APT 302 BALA CYNWYD, PA 19004 | AFLAC | $99 | — | $99 | 0.17% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $95 | — | $95 | 0.17% |
| CYNTHIA MUELLER3 | 3295 BURNS DR THE VILLAGES, FL 32163 | AFLAC | $67 | — | $67 | 0.12% |
| JAMES M MCELDERRY3 | 16 W 11TH ST APT D28 OCEAN CITY, NJ 08226 | AFLAC | $62 | — | $62 | 0.11% |
| JOHN J FERRANTE3 | 4911 EDGEWOOD RD DOYLESTOWN, PA 18902 | AFLAC | $60 | — | $60 | 0.11% |
| JOANN HARTSOCK3 | 16 ROBYN LN DOYLESTOWN, PA 18901 | AFLAC | $43 | — | $43 | 0.08% |
| NANCY L CREW3 | 201 YORK RD STE 1 BOX 739 JENKINTOWN, PA 19046 | AFLAC | $22 | — | $22 | 0.04% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $21 | — | $21 | 0.04% |
| MARTIN E BYSTROM3 | 253 MINORCA BEACH WAY APT 305 NEW SMYRNA BEACH, FL 32169 | AFLAC | $19 | — | $19 | 0.03% |
| RYAN K GOLDBERG3 | 103 CHURCH ST #3 PHILADELPHIA, PA 19106 | AFLAC | $12 | — | $12 | 0.02% |
| MARY KAYE WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $12 | — | $12 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TER HARRISBURG, PA 17112 | AFLAC | $10 | — | $10 | 0.02% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1756 MIDDLETOWN RD GLEN MILLS, PA 19342 | AFLAC | $10 | — | $10 | 0.02% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $6 | — | $6 | 0.01% |
| CAROLYN E MORRISON3 Filed as: CAROLYN MORRISON | 118 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $5 | — | $5 | 0.01% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL RD LAKE GEORGE, NY 12845 | AFLAC | $2 | — | $2 | 0.00% |
| SEAN G HIGGINS3 | 1405 LARKSPUR LN MALVERN, PA 19355 | AFLAC | $1 | — | $1 | 0.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 85 | $2.1M |
| Dental | UNITED CONCORDIA COMAPNIES INC | 87 | $67K |
| Life insurance | GUARDIAN | 104 | $68K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 104 | $125K |
| Long-term disability | GUARDIAN | 104 | $68K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 85 | $2.1M |
| Other | AFLAC | 46 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
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.