| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 1550 POND ROAD STE 130 ALLENTOWN, PA 18104 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $40K | $0 | $40K | 5.21% |
| STEVEN A MILLER3 | 2859 LIMEKILN RD BIRDSBORO, PA 19508 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 6.41% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK, STE. 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $1K | $0 | $1K | 2.59% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK, STE. 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $926 | $0 | $926 | 1.99% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD STE 400 BERWYN PARK BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 13.06% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD STE 400 BERWYN PARK BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $744 | $0 | $744 | 3.04% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD STE 400 BERWYN PARK BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $156 | $0 | $156 | 0.64% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $43 | $0 | $43 | 0.18% |
| STEVEN A MILLER3 | 920 CASSATT ROAD SUITE 205 BERWYN, PA 19312 | MADISON NATIONAL LIFE INURANCE COMPANY | $3K | $0 | $3K | 13.71% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INURANCE COMPANY | $0 | $2K | $2K | 10.36% |
| BRIAN E DAGGETT3 | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INURANCE COMPANY | $0 | $533 | $533 | 2.92% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD STE 400 BERWYN PARK BERWYN, PA 19312 | MADISON NATIONAL LIFE INURANCE COMPANY | $0 | $178 | $178 | 0.98% |
| WILLIAM O DAGGETT JR3 Filed as: WILLIAM O. DAGGET JR. | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INURANCE COMPANY | $0 | $178 | $178 | 0.98% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD STE 400 BERWYN PARK BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 8.96% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD STE 400 BERWYN PARK BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $846 | $0 | $846 | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $495 | $0 | $495 | 2.92% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT RD STE 400 BERWYN PARK BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $99 | $0 | $99 | 0.58% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $28 | $0 | $28 | 0.17% |
| STEVEN A MILLER3 | 2859 LIMEKILN RD BIRDSBORO, PA 19508 | STANDARD INSURANCE COMPANY | $883 | $0 | $883 | 8.50% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 173 | $774K |
| Dental | AETNA LIFE INSURANCE CO. | 166 | $47K |
| Vision | STANDARD INSURANCE COMPANY | 67 | $10K |
| Life insurance | MADISON NATIONAL LIFE INURANCE COMPANY | 169 | $18K |
| Short-term disability | STANDARD INSURANCE COMPANY | 81 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 46 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.