| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $652 | $3K | 6.71% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $362 | $2K | 4.90% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $242 | $2K | 10.62% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $146 | $1K | 6.39% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWY PARK STE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $970 | $0 | $970 | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $123 | $7K | 54.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $380 | $4K | 34.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $423 | $0 | $423 | 3.30% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $218 | $0 | $218 | 1.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA HEALTH PLANS EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $32K |
| ONEDIGITAL (PHILADELPHIA) EIN 84-3134502 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 75 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $51K |
| Stop-loss / reinsurancereinsurance | OPTUMHEALTH (UNIMERICA INSURANCE COMPANY | 74 | $375K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.