| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $86K | — | $86K | 5.66% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $27K | — | $27K | 6.43% |
| HERBERT G. HUMMEL3 | 139 HEATHER DRIVE NEW HOPE, PA 18938 | GUARDIAN | $10K | — | $10K | 4.55% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS | P.O. BOX 21545 EAGAN, MN 55121 | GUARDIAN | $2K | — | $2K | 0.89% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 228 | $1.5M |
| Dental | GUARDIAN | 177 | $223K |
| Vision | INDEPENDENCE BLUE CROSS | 43 | $419K |
| Life insurance | GUARDIAN | 177 | $223K |
| Long-term disability | GUARDIAN | 177 | $223K |
| Prescription drug(2 contracts) | INDEPENDENCE BLUE CROSS | 228 | $1.9M |
| Other | GUARDIAN | 177 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.