| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS PHILADLPHIA | $74K | — | $74K | 5.61% |
| HARDENBERGH INSURANCE GROUP3 | 8000 SAGEMORE DRIVE, SUITE 8101 MARLTON, NJ 08053 | BENECARD SERVICES, LLC | $15K | — | $15K | 6.00% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INS AGENCY | PO BOX 8000 MARLTON, NJ 08053 | HARTFORD LIFE AND ACCIDENT | $11K | $1K | $13K | 5.51% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST SUITE 3 CHERRY HILL, NJ 08034 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 9.76% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $176 | — | $176 | 0.16% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS PHILADELPHIA | $3K | — | $3K | 5.02% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS PHILADLPHIA | 250 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $110K |
| Vision | INDEPENDENCE BLUE CROSS PHILADLPHIA | 250 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 277 | $229K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 277 | $229K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 277 | $229K |
| Prescription drug | BENECARD SERVICES, LLC | 173 | $258K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 277 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.