| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $25K | $248 | $25K | 3.56% |
| HARDENBURGH INSURANCE GROUP3 | 8000 SAGEMORE DRIVE, SUITE 8101 MARLTON, NJ 08053 | BENECARD SERVICES, LLC | $14K | — | $14K | 6.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $2K | $208 | $3K | 1.28% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 899 CASATT RD BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $7K | $713 | $8K | 5.37% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK 899 CASSATT RD STE 200 BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 4.86% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GROUP, INC. | PO BOX 8000 MARLTON, NJ 08053 | FOUR EVER LIFE INS CO. | $6K | — | $6K | 7.50% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | FOUR EVER LIFE INS CO. | $407 | — | $407 | 0.50% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS KEYSTONE | $2K | $9 | $2K | 3.39% |
| 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 | $6K | — | $6K | 10.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $50 | $3K | 5.08% |
| 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 | — | $461 | $461 | 0.72% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $302 | $2K | 27.88% |
| AMERIHEALTH ADMINISTRATORS INC3 | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 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 | 76 | 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) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | INDEPENDENCE BLUE CROSS | 130 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $64K |
| Vision | INDEPENDENCE BLUE CROSS | 130 | $715K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 120 | $148K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $148K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 120 | $148K |
| Prescription drug | BENECARD SERVICES, LLC | 53 | $225K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 120 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.