| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 700 EAST GATE DRIVE, SUITE 115 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.51% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT ROAD, SUITE 400 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.24% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANCE BNEF GENERAL AGCY | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $146 | $0 | $146 | 0.17% |
| ONEILL VOLUNTARY BNFT SVCS & OTHERS3 Filed as: ONEILL VOLUNTARY BENEFITS SERVICES | 5626 KIRKWOOD HIGHWAY WILMINTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $346 | $4K | 7.12% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LYONS INSURNCE AGENCY INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 6.19% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFITS SERVICES | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $129 | $2K | 3.56% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.16% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.14% |
| DARLENE BLAASCH3 | 701 SOUTH BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.04% |
| JAMES H CROUTHAMEL3 Filed as: JAMES H. CROUTHAMEL | 1308 CUSHMORE ROAD SAOUTHAMPTON, PA 18966 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $755 | $0 | $755 | 6.78% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 419 | $86K |
| Vision | VISION SERVICE PLAN | 108 | $11K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 73 | $53K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 73 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.