| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $2K | $6K | 0.70% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND STREET 1ST FLOOR MEDIA, PA 19063 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 5.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 42 E 2ND STREET 1ST FLOOR MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 19.88% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND STREET 1ST FLOOR MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $553 | $2K | 19.77% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND STREET 1ST FLOOR MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $449 | $2K | 18.93% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTION | 24 E 2ND STREET 1ST FLOOR MEDIA, PA 19063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $156 | $55 | $211 | 20.29% |
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 | 140 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 98 | $914K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 92 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $11K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.