| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $893 | $375 | $1K | 5.10% |
| KISTLER TIFFANY BENEFITS3 | 700 E GATE DR MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $813 | $0 | $813 | 3.27% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $765 | $31 | $796 | 3.20% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $566 | $172 | $738 | 2.97% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | EYEMED VISION CARE | $233 | $36 | $269 | 5.73% |
| ENROLLEASE3 Filed as: ONE DIGITAL - KING OF PRUSSIA, PA | 200 GALLERIA PKWY #1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $199 | $0 | $199 | 4.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONEDIGITAL (KOP) EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $14K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $12K |
| ONEDIGITAL (PHILADELPHIA) EIN 84-3134502 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| INDEPENDENCE ADMINISTRATORS (IA) EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $11K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $3K |
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 | 40 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 41 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 102 | $25K |
| Vision | EYEMED VISION CARE | 70 | $5K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 40 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.