| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | $83K | — | $83K | 5.11% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS - KEYSTONE | $19K | — | $19K | 5.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16, STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 6.70% |
| FIRST BUCKS LLC3 Filed as: FIRST BUCKS LLC T/A GMC INSURANCE | 1717 LANGHORNE NEWTOWN ROAD SUITE 403 LANGHORNE, PA 19047 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 5.59% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $540 | $5K | 2.52% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | UNITED HEALTHCARE INSURANCE COMPANY | $902 | — | $902 | 5.35% |
| FIRST BUCKS LLC3 | 1717 LANGHORNE NEWTOWN ROAD SUITE 403 LANGHORNE, PA 19047 | UNITED HEALTHCARE INSURANCE COMPANY | $623 | — | $623 | 3.70% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | UNITED HEALTHCARE INSURANCE COMPANY | $451 | — | $451 | 2.68% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING ST LEESBURGH, VA 20175 | ZURICH AMERICAN INSURANCE COMPANY | $184 | — | $184 | 14.97% |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 206 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $198K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 168 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $198K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $198K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $198K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 206 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 325 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.