| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 1.04% |
| STEVEN A MILLER3 | 2859 LIMEKILN ROAD BIRDSBORO, PA 19508 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.48% |
| STEVEN MILLER3 | 10 HEARTHSTONE COURT STE 200 READING, PA 19606 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 9.82% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SVCS, LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.01% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Vision | AETNA LIFE INSURANCE CO. | 206 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 1,338 | $71K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,338 | $71K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,338 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,338 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.