| 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 | INDEPENDENCE BLUE CROSS | $37K | — | $37K | 6.38% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 10.73% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE SUITE 205 MDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $818 | — | $818 | 1.25% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | DELTA DENTAL | $3K | — | $3K | 9.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | EYEMED VISION CARE | $885 | — | $885 | 9.57% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | METLIFE LEGAL PLANS | $173 | — | $173 | 12.48% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19603 | METLIFE LEGAL PLANS | $57 | — | $57 | 4.11% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 98 | $585K |
| Dental | DELTA DENTAL | 55 | $33K |
| Vision | EYEMED VISION CARE | 78 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $66K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $66K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $66K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 98 | $585K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.