| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KRISTLER TIFFANY BENEFITS GEN. AGCY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $2K | $7K | $9K | 0.17% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 21 E 5TH AVE CONSHOHOCKEN, PA 19428 | INDEPENDENCE BLUE CROSS | $950 | $2K | $3K | 0.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY PF NORTH AMERICA | $23K | — | $23K | 5.88% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $31 | $31 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITIAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | ARAG INSURANCE COMPANY | $832 | — | $832 | 6.73% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E. SWEDESFORD RD STE 200 WAYNE, PA 19087 | ARAG INSURANCE COMPANY | $302 | — | $302 | 2.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SPRING HEALTH EIN 81-2832914 TPA | Contract Administrator; Claims processing Service code 12 | — | $59K |
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 | 505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 366 | $5.1M |
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 1,235 | $371K |
| Vision | VISION SERVICE PLAN | 328 | $32K |
| Life insurance | LIFE INSURANCE COMPANY PF NORTH AMERICA | 505 | $393K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 366 | $5.1M |
| Other | ARAG INSURANCE COMPANY | 86 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,235 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.