| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD STE 301 WILMINGTON, DC 19809 | HARTFORD LIFE & ACCIDENT INSURANCE | $7K | $0 | $7K | 13.72% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD 400 BERWYN PK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $2K | $94 | $2K | 3.74% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR RD STE 301 WILMINGTON, DE 198092866 | VISION SERVICE PLAN | $732 | $0 | $732 | 7.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD STE 200 BERWYN, PA 193121190 | VISION SERVICE PLAN | $241 | $0 | $241 | 2.50% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $112 | $0 | $112 | 4.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $92 | $12 | $104 | 3.72% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 111 | $48K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 111 | $12K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE | 211 | $52K |
| Short-term disability | HARTFORD LIFE & ACCIDENT INSURANCE | 211 | $52K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE | 211 | $52K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE | 211 | $52K |
| 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.