| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK,SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.48% |
| NORTH AMERICAN BENEFITS COMPANY5 Filed as: NORTH AMERICAN BENEFITS CO | 530 EAST SWEDESFORD RD SUITE 100 WAYNE, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $905 | $905 | 3.00% |
| CT KAULFUSS3 | PO BOX 339 EAGLES MERE, PA 17731 | MADISON NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $982 | $982 | 8.50% |
| KT BENEFITS CO3 | 400 BERWYN PARK , SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $347 | $347 | 3.00% |
| KT BENEFITS-BRAD TIFFANY3 | 400 BERWYN PARK SUITE 200 899 CASSATT RD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | $347 | — | $347 | 3.00% |
| KT BENEFITS-WILLIAM O. DAGGETT JR3 | 400 BERWYN PARK ,SUITE 200 899 CASSATT RD BERWYN, PA 19312 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $231 | $231 | 2.00% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 135 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.