| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $292 | — | $292 | 0.03% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | AETNA LIFE INSURANCE CO. | $261 | — | $261 | 0.02% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR SUITE 209 NEWARK, DE 19713 | AMERITAS LIFE INSURANCE CORP. | $3K | $628 | $3K | 5.35% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 197134312 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.55% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR SUITE 209 NEWARK, DE 19713 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.98% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR SUITE 209 NEWARK, DE 19713 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IFS BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 220 CONTINENTAL DRIVE SUITE 209 NEWARK, DE 19713 | $43K |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 173 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 264 | $63K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 264 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $49K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.