| 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 | $98K | — | $98K | 5.15% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.78% |
| THOMAS M TEGLER3 Filed as: THOMAS TEGLER | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.08% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.25% |
| THOMAS M TEGLER3 Filed as: THOMAS TEGLER | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $416 | — | $416 | 0.75% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.26% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $290 | — | $290 | 0.74% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.32% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120 | — | $120 | 0.68% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.26% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 0.74% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $584 | — | $584 | 4.28% |
| THOMAS M TEGLER3 | 70 EAST LANCASTER AVENUE FRAZER, PA 19355 | VISION SERVICE PLAN | $209 | — | $209 | 1.53% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 210 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $117K |
| Vision | VISION SERVICE PLAN | 177 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $56K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $39K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 210 | $1.9M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.