| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD STE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $92K | $0 | $92K | 9.04% |
| BENESERV, INC.3 Filed as: BENESERV CORPORATE | 15 E FRONT ST MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $9K | $0 | $9K | 0.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $0 | $4K | $4K | 0.44% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 E SECOND ST 1ST FL MEDIA, PA 19063 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $108K | $0 | $108K | 11.87% |
| BENESERV, INC.3 Filed as: BENESERV CORPORATE BENEFIT SERVICES | 15 E FRONT ST MEDIA, PA 19063 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $63K | $0 | $63K | 6.93% |
| IMG3 | 2960 NORTH MERIDIAN ST INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $104 | $104 | 0.01% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 E 2ND ST MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.89% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.82% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4651 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE PRUDENTIAL INSURANCE COMPANY OF EIN 22-1211670 ADMIN | Claims processing Service code 12 | — | $31K |
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 | 1,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,283 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Short-term disability(2 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 974 | $909K |
| Long-term disability(2 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 974 | $909K |
| Other(3 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 974 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,283 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.