| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGNCY | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $122K | $0 | $122K | 4.23% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS, INC. | — | INDEPENDENCE BLUE CROSS | $39K | $0 | $39K | 1.34% |
| BGRAND BENEFITS, LLC3 | 10 CAMPUS BLVD NEWTOWN SQUARE NEWTOWN SQUARE, PA 19073 | GUARDIAN | $46K | $0 | $46K | 20.78% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $1K | $0 | $1K | 0.49% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $494 | $9K | 5.33% |
| BGRAND BENEFITS, LLC3 Filed as: BGRAND BENEFITS LLC | 10 CAMPUS BLVD NEWTOWN SQUARE, PA 190733200 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.31% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD STE 200 400 BERWYN PARK, STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $4K | 2.69% |
| FLEXIBLE BENEFITS PLANS INC3 | PO BOX 873 VALLEY FORGE, PA 194820873 | VISION SERVICE PLAN | $922 | $0 | $922 | 5.19% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD STE 200 BERWYN, PA 193121190 | VISION SERVICE PLAN | $162 | $0 | $162 | 0.91% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 356 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 450 | $162K |
| Vision | VISION SERVICE PLAN | 185 | $18K |
| Life insurance | GUARDIAN | 292 | $220K |
| Short-term disability | GUARDIAN | 292 | $220K |
| Long-term disability | GUARDIAN | 292 | $220K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 356 | $2.9M |
| Other | GUARDIAN | 292 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.