| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEIFTS | GENERAL AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $85K | $3K | $88K | 3.23% |
| 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 | — | $11K | 5.43% |
| KISTLER TIFFANY BENEFITS3 | GENERAL AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS KEYSTONE | $5K | $143 | $5K | 2.68% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GROUP, INC. | PO BOX 8000 MARLTON, NJ 08053 | FOUR EVER LIFE INS CO. | $12K | — | $12K | 7.50% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INS CO. | — | $7K | $7K | 4.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | FOUR EVER LIFE INS CO. | $815 | — | $815 | 0.50% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD 400 BERWYN PARK, SUITE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 10.04% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $13 | $4K | 4.27% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN PARK, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.51% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENER | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $5K | 48.87% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $215 | — | $215 | 2.00% |
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 | 149 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 203 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $110K |
| Vision | INDEPENDENCE BLUE CROSS | 203 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 202 | $195K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $195K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $195K |
| Prescription drug | BENECARD SERVICES, LLC | 155 | $257K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 202 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.