| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GEN AGENCY | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $8K | $18K | 9.12% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY INC. | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 11.53% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $56 | $75 | $131 | 0.07% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.34% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | UNITED HEALTH CARE INSURANCE COMPANY | $740 | — | $740 | 10.00% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 58 | $163K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 599 | $382K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 599 | $382K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $182K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 423 | $200K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $182K |
| Stop-loss / reinsurancereinsurance | MERITAIN HEALTH | 277 | $0 |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.