| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $74K | $4K | $77K | 5.26% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.66% |
| NORTH AMERICAN BENEFITS COMPANY3 | C/O TONY COYER 20 VALLEY STREAM PKWY, STE 310 MALVERN, PA 19355 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 9.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 14.86% |
| NORTH AMERICAN BENEFITS COMPANY3 Filed as: NORTH AMERICAN BENEFITS CO | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 160 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $77K |
| Vision | INDEPENDENCE BLUE CROSS | 160 | $1.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 184 | $70K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $55K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $55K |
| 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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.