| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | BLUECHOICE HEALTHPLAN | $35K | $0 | $35K | 4.16% |
| GCG FINANCIAL LLC3 Filed as: FORUM AN ALERA GROUP COMPANY | 1122 S. MAIN STREET SUITE B GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $7K | $0 | $7K | 0.84% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENER | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 6.61% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.04% |
| ANTHONY P DELUCA3 | 67 WINDWATCH DRIVE HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $263 | $0 | $263 | 0.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $159 | $0 | $159 | 0.53% |
| PENTRA LLC3 Filed as: PENTRA INC | 795 E LANCASTER AVENUE SUITE 210 VILLANOVA, PA 19085 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.01% |
| NATIONAL FINANCIAL NETWORK, LLC3 Filed as: NATIONAL FINANCIAL NETWORK INC | 990 STEWART GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.01% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, L | 1767 SENTRY PKWY W BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD STE 200 BERWYN, PA 193121190 | VISION SERVICE PLAN | $510 | $0 | $510 | 8.34% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP DBA PENTRA LLC | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | VISION SERVICE PLAN | $28 | $0 | $28 | 0.46% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | $0 | $409 | 15.01% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | $0 | $112 | 14.95% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 72 | $846K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $30K |
| Vision | VISION SERVICE PLAN | 60 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 29 | $3K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.