| 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 | $80K | $615 | $81K | 4.31% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO. | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $35K | $607 | $36K | 4.70% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $18K | 11.91% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $918 | $918 | 6.75% |
| THOMAS J. INGELSBY3 Filed as: THOMAS J INGELSBY | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $917 | — | $917 | 6.75% |
| WILLIAM O DAGGETT JR3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $510 | $136 | $646 | 4.75% |
| VINCENT GRETO3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $408 | — | $408 | 3.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $272 | $272 | 2.00% |
| KIMBERLY GRAFF3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $204 | — | $204 | 1.50% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 240 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $152K |
| Vision | INDEPENDENCE BLUE CROSS | 89 | $764K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $152K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $152K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 212 | $14K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 89 | $764K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.