| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC BENEFITS ONE GROUP3 | 3701 CORPORATE PARKWAY, SUITE 310 CENTER VALLEY, PA 18034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $0 | $47K | 11.40% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $22K | $22K | 5.40% |
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE SUITE 2051 MONTGOMERYVILLE, PA 18936 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.08% |
| STRATEGIC BENEFITS ONE GROUP3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | CIGNA | $6K | $0 | $6K | 5.47% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD STE 200 BERWYN, PA 19312 | CIGNA | $0 | $4K | $4K | 3.29% |
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE PO BOX 249 MONTGOMERYVILLE, PA 18936 | CIGNA | $2K | $0 | $2K | 1.91% |
| STRATEGIC BENEFITS ONE GROUP3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.73% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 3.00% |
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE PO BOX 249 MONTGOMERYVILLE, PA 18936 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $477 | $0 | $477 | 1.26% |
| STRATEGIC BENEFITS ONE GROUP3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.71% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $524 | $0 | $524 | 3.00% |
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE PO BOX 249 MONTGOMERYVILLE, PA 18936 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $225 | $0 | $225 | 1.29% |
| STRATEGIC BENEFITS ONE GROUP3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.14% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $330 | $0 | $330 | 2.00% |
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE PO BOX 249 MONTGOMERYVILLE, PA 18936 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $141 | $0 | $141 | 0.85% |
| STRATEGIC BENEFITS ONE GROUP3 | 3701 CORPORATE PKWY STE 310 CENTER VALLEY, PA 18034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $502 | $0 | $502 | 10.77% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | $0 | $140 | 3.00% |
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE PO BOX 249 MONTGOMERYVILLE, PA 18936 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | $0 | $57 | 1.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $18K |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $413K |
| Dental | CIGNA | 226 | $118K |
| Vision | CIGNA | 226 | $118K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 98 | $17K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 316 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.