| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KISTLER TIFFANY BENEFITS NONE | Insurance agents and brokers; Consulting fees Service code 22 | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | $78K |
| GROUP & PENSION ADMINISTRATORS, INC NONE | Claims processing; Contract Administrator Service code 12 | PARK CENTRAL 8 12770 MERIT DRIVE SUITE 200 DALLAS, TX 75251 | $45K |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | WESTPORT INSURANCE CORPORATION | 121 | $230K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $94K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 121 | $209K |
| Other | WESTPORT INSURANCE CORPORATION | 121 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.