| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $54K | $3K | $57K | 3.72% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | KEYSTONE | $10K | $339 | $11K | 3.63% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 14.48% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | AMERIHEALTH HMO, INC. | $954 | $16 | $970 | 3.86% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $829 | $0 | $829 | 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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 204 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $175K |
| Vision | VISION SERVICE PLAN | 113 | $12K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $175K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $175K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $175K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 204 | $1.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.