| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 | 501 CARR RD, STE 301 SUITE 900 WILMINGTON, DE 19809 | THE STANDARD INSURANCE COMPANY | $1K | $69 | $1K | 4.31% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD BERWYN, PA 19312 | THE STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | THE STANDARD INSURANCE COMPANY | $228 | $27 | $255 | 4.24% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 899 CASSATT RD BERWYN, PA 19312 | THE STANDARD INSURANCE COMPANY | $240 | $0 | $240 | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $25K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| LYONS INSURANCE AGENCY, INC. EIN 51-0276731 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 57 | 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) | 57 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE STANDARD INSURANCE COMPANY | 59 | $32K |
| Vision | THE STANDARD INSURANCE COMPANY | 52 | $6K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 57 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 59 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.