| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD BERWYN, PA 193121190 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $10K | $42K | 5.21% |
| MCGRIFF INSURANCE SERVICES INC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 150 S WARNER RD STE 460 KNG OF PRUSSA, PA 194062843 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 1.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 070391043 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.56% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.40% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | GUARDIAN | $3K | $2K | $4K | 28.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 400 ROUTE 22 EAST SUITE 190 BRIDGEWATER, NJ 08807 | GUARDIAN | $3K | — | $3K | 16.08% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | GUARDIAN | $1K | — | $1K | 8.29% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $799K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $799K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $799K |
| Life insurance | GUARDIAN | 119 | $16K |
| Short-term disability | GUARDIAN | 119 | $16K |
| Long-term disability | GUARDIAN | 119 | $16K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 211 | $799K |
| Other | GUARDIAN | 119 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.