| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.59% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | -$163 | — | -$163 | -0.21% |
| HR&S FINANCIAL SERVICES LLC3 | 1515 MARKET STREET SUITE 1700 PHILADELPHIA, PA 19102 | GUARDIAN | $5K | — | $5K | 15.07% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE OF AMERICA | $4K | — | $4K | 16.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KISTLER-TIFFANY BENEFITS BROKER | Insurance agents and brokers Service code 22 | 899 CASSATT ROAD BERWYN, PA 19312 | $123K |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 218 | $1.6M |
| Dental | GUARDIAN | 106 | $34K |
| Life insurance | GUARDIAN | 106 | $34K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 109 | $100K |
| Other | GUARDIAN | 106 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.