| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETERMAN BENEFITS3 | 105 MONTGOMERY AVE SUITE 2051 MONTGOMERYVILLE, PA 18936 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $106K | $0 | $106K | 14.06% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $42K | $42K | 5.57% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $31 | $11K | 5.23% |
| PCF INSURANCE SERVICES OF THE WEST3 | 105 MONTGOMERY ST STE 2051 MONTGOMERY, PA 17752 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.77% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $275K |
| KISTLER TIFFANY BENEFITS CO BROKER | Insurance agents and brokers Service code 22 | 899 CASSATT RD STE 200 BERWYN, PA 19312 | $0 |
| PETERMAN BENEFITS BROKER | Insurance agents and brokers Service code 22 | 105 MONTGOMERY AVE STE 2051 MONTGOMERYVILLE, PA 18936 | $0 |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 469 | $754K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $205K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $205K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $205K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 714 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 714 | — |
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.