| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 3.98% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY, INC | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $732 | $0 | $732 | 0.96% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY, INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.46% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 899 CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.59% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $647 | $0 | $647 | 1.65% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY, INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.52% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $455 | $0 | $455 | 1.68% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY, INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $290 | $0 | $290 | 1.26% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $103 | $0 | $103 | 3.99% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY, INC | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $61 | $0 | $61 | 2.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $51 | $0 | $51 | 1.97% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 91 | $76K |
| Vision | STANDARD INSURANCE COMPANY | 91 | $3K |
| Life insurance | STANDARD INSURANCE COMPANY | 110 | $27K |
| Short-term disability | STANDARD INSURANCE COMPANY | 110 | $39K |
| Long-term disability | STANDARD INSURANCE COMPANY | 110 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
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.