| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD BERWYN, PA 19312 | KEYSTONE HEALTH PLAN EAST | $144K | — | $144K | 6.29% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $18K | 11.21% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY, SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 0.10% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO. | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $2K | — | $2K | 6.72% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.00% |
| THOMAS J. INGELSBY3 Filed as: THOMAS J INGELSBY | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.18% |
| WILLIAM O DAGGETT JR3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $688 | $200 | $888 | 4.44% |
| VINCENT GRETO3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $550 | — | $550 | 2.75% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS COMPANY | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $400 | $400 | 2.00% |
| KIMBERLY GRAFF3 | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $275 | — | $275 | 1.37% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 328 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $163K |
| Vision | INDEPENDENCE BLUE CROSS | 4 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $163K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $163K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 222 | $20K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 4 | $24K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.