| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY | $21K | $20K | $41K | 10.03% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | HEALTHSCOPE | $49K | $0 | $49K | 15.00% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | GERBER LIFE - UMR | $21K | $0 | $21K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 7.92% |
| ARDENA L MCVICKER3 | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $481 | $51 | $532 | 1.98% |
| TERESA BURNS3 | 2025 WHITE DEER TRL MALVERN, PA 19355 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $295 | $0 | $295 | 1.10% |
| LANCE A BRADLEY3 | 2028 MOUNT VERNON CIR HARRISBURG, PA 17110 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $260 | $0 | $260 | 0.97% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $209 | $31 | $240 | 0.90% |
| BRENT L GOODE3 Filed as: BRENT MCVICKER | 73 KATYDID LN MORGANTOWN, PA 19543 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.09% |
| PETRINA SKILES3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.04% |
| JOSEPH R STOLL3 Filed as: JOSEPH R. STOLL | 729 TRANQUILITY LN. LANSDALE, PA 19446 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD STE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Direct payment from the plan; Claims processing; Investment management fees paid indirectly by plan; Other fees Service code 12 | — | $602K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $206K |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 301 | $409K |
| Vision | VISION SERVICE PLAN | 230 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 301 | $409K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 301 | $436K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 301 | $409K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HEALTHSCOPE | 177 | $466K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 301 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.