| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS AGENCY | 899 CASSAT ROAD, SUITE 200 BERWYN, CA 19312 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | $0 | $20K | 4.57% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | -$2K | $0 | -$2K | -0.57% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS AGENCY | 899 CASSAT ROAD, SUITE 200 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 3.83% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $775 | $775 | 0.41% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, PA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | -$271 | -$2K | -0.97% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS AGENCY | 899 CASSAT ROAD, SUITE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $2K | — | $2K | 3.56% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $0 | $761 | $761 | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS AGENCY | 899 CASSAT ROAD, SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $0 | $733 | $733 | 4.82% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 50 | $433K |
| Vision | VISION SERVICE PLAN | 276 | $54K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $188K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $188K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $188K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 50 | $433K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.