| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | KEYSTONE HEALTH PLAN EAST | $21K | $4K | $24K | 2.42% |
| EMERSON REID LLC3 Filed as: EMERSON REID | DBA TRA BENEFIT PLYMOUTH MTG, PA 19462 | KEYSTONE HEALTH PLAN EAST | $19K | $4K | $23K | 2.29% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $16K | $3K | $19K | 2.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID | DBA TRA BENEFIT PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $16K | $3K | $19K | 2.38% |
| EMERSON REID LLC3 Filed as: EMERSON REID | DBA TRA BENEFIT PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $6K | $2K | $8K | 2.63% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $6K | $2K | $8K | 2.59% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $6K | $8K | 10.35% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $599 | — | $599 | 0.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303393182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $924 | $4K | 9.15% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303393182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $839 | $3K | 9.41% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 303393182 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $554 | $3K | 15.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID | DBA TRA BENEFIT PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | $147 | $1K | $1K | 19.52% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $152 | $982 | $1K | 15.18% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 108 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $80K |
| Vision | INDEPENDENCE BLUE CROSS | 100 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $22K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 100 | $316K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.