| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVCS OF THE WEST LLC | 105 MONTGOMERY AVE SUITE 2051 MONTGOMERYVILLE, PA 18936 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $111K | $0 | $111K | 8.93% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $0 | $48K | 3.89% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $8K | $1K | $9K | 11.91% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $3K | $1K | $4K | 6.14% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES OF THE WEST, | 105 MONTGOMERY AVENUE SUITE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $5K | $604 | $6K | 16.73% |
| PCF INSURANCE SERVICES OF THE WEST3 | PO BOX 249 MONTGOMERYVILLE, PA 18936 | EYEMED VISION CARE | $3K | $0 | $3K | 9.84% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $5K | $398 | $6K | 21.46% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES OF THE WEST, | 105 MONTGOMERY AVE STE 2051 MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $1K | $117 | $1K | 16.69% |
| PCF INSURANCE SERVICES OF THE WEST3 | PO BOX 249 MONTGOMERYVILLE, PA 18936 | EYEMED VISION CARE | $547 | $0 | $547 | 9.92% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY AVENUE MONTGOMERYVILLE, PA 18936 | RELIANCE STANDARD | $754 | $83 | $837 | 16.66% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 607 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 437 | $1.2M |
| Vision(2 contracts) | EYEMED VISION CARE | 557 | $37K |
| Other(6 contracts) | RELIANCE STANDARD | 607 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.