| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE & INVESTMENT ADVISORY GRP3 Filed as: INSURANCE & INVESTMENT ADVISORY GRO | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $90K | — | $90K | 15.39% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS CO | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 6.16% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 6.66% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS CO | 899 CASSATT ROAD SUITE 200 BERWYN, PA 09312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 3.41% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $221 | — | $221 | 10.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $111 | — | $111 | 5.02% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 187 | $139K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 187 | $139K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $51K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $586K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.