| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | $30K | $109K | 16.88% |
| BIRCH BENEFITS LLC3 | 480 EAST SWEDESFORD RD, SUITE 130 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.11% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $4K | $8K | 9.45% |
| BIRCH BENEFITS LLC3 | 480 E SWEDESFORD ROAD, SUITE 130 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.83% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.26% |
| BIRCH BENEFITS LLC3 | 480 EAST SWEDESFORD ROAD, SUITE 130 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.74% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.27% |
| BIRCH BENEFITS LLC3 | 480 EAST SWEDESFORD ROAD, SUITE 130 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.73% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $371 | — | $371 | 12.21% |
| BIRCH BENEFITS LLC3 | 480 EAST SWEDESFORD ROAD, SUITE 130 WAYNE, PA 19087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $85 | — | $85 | 2.80% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 198 | $647K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $89K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $38K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 195 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.