| 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 | $68K | $5K | $73K | 5.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL.COM/CENTERSTONE | — | INDEPENDENCE BLUE CROSS | $17K | — | $17K | 1.33% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | HARTFORD LIFE AND ACCIDENT | $9K | $3K | $12K | 20.15% |
| ASSUREDPARTNERS3 Filed as: CREATIVE BENFITS INC | 3809 WEST CHESTER PIKE SUITE 190 NEWTOWN SQUARE, PA 19073 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.19% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $540 | $540 | 1.06% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFITS INC | 31 NORTH GATES AVENUE KINGSTON, PA 18704 | VISION BENEFITS OF AMERICA | $637 | — | $637 | 6.82% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 175 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $51K |
| Vision | VISION BENEFITS OF AMERICA | 175 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 235 | $61K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 235 | $61K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 175 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 235 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.