| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENF GEN. AGCY. LLC | 400 BERWYN PARK, SUITE 200 599 CASSATT ROAD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $2K | $9K | $11K | 4.55% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, 17TH FLOOR SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $323 | $0 | $323 | 0.13% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENF GEN. AGCY. LLC | 400 BERWYN PARK, SUITE 200 599 CASSATT ROAD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $972 | $972 | 3.74% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $605 | $0 | $605 | 2.33% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, 17TH FLOOR SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $202 | $202 | 0.78% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 306 | $247K |
| Short-term disability | STANDARD INSURANCE COMPANY | 306 | $247K |
| Long-term disability | STANDARD INSURANCE COMPANY | 306 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.