| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | KEYSTONE HEALTH PLAN EAST | $65K | — | $65K | 9.90% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 6.07% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $2K | — | $2K | 2.89% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | AMERIHEALTH HMO, INC. | $3K | — | $3K | 6.57% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $405 | $3K | 6.97% |
| BUSINESS SOLVER.COM, INC.3 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | TRANSAMERICA LIFE INSURANCE CO | $2K | — | $2K | 8.68% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | TRANSAMERICA LIFE INSURANCE CO | $1K | — | $1K | 5.25% |
| OPTIBEN LLC3 Filed as: OPTIBEN, LLC | 377 HIGHWAY 21, SUITE 100 MADISONVILLE, LA 70447 | TRANSAMERICA LIFE INSURANCE CO | $332 | — | $332 | 1.72% |
| THE MEGRO CORPORATION3 | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | UNION SECURITY INSURANCE COMPANY | $466 | — | $466 | 15.01% |
| THE MEGRO CORPORATION3 Filed as: MEGRO CORPORATION | ONE WEST FIRST AVENUE, SUITE 305 CONSHOHOCKEN, PA 19428 | INDEPENDENCE ADMINISTRATORS | $56K | — | $56K | — |
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 | 1,009 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KEYSTONE HEALTH PLAN EAST | 1,009 | $703K |
| Vision | VISION SERVICE PLAN | 1,033 | $79K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,255 | $428K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE CO | 275 | $22K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,255 | $389K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,255 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.