| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD BLDG 5, SUITE 200 RADNOR, PA 19087 | AETNA LIFE INSURANCE CO. | — | $22K | $22K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | 100 MATSONFORD RD, BLDG 5, STE 200 RADNOR, PA 19087 | DEAN HEALTH PLAN INC. | $19K | — | $19K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA | STE 200, BLDG 5 100 MATSONFORD RD RADNOR, PA 19087 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PA | SUITE 200, BLDG 5 100 MATSONFORD RD RADNOR, PA 19087 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $15K | — | $15K | 17.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 9052 RADNOR, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA INC. | 100 MATSONFORD RD, BLDG 5, NO. 200 RADNOR, PA 19087 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 17.03% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | -$592 | — | -$592 | -8.94% |
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 | 588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 710 | $5.2M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 710 | $4.3M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 651 | $928K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 10 | $219K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 10 | $84K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 180 | $899K |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 180 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
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.