| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | HIGHMARK DELAWARE | $23K | — | $23K | 5.14% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSETT ROAD SUITE 200 BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $3K | $6K | 10.93% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 4.65% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 899 CASSETT ROAD SUITE 200 BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 3.08% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY OF AMERICA | $3K | $817 | $3K | 21.05% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFIT GROUP LLC | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY OF AMERICA | $817 | — | $817 | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY OF AMERICA | $541 | — | $541 | 3.31% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $1K | $175 | $1K | 12.73% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 113 | $443K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 102 | $51K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 102 | $51K |
| Life insurance | UNUM INSURANCE COMPANY OF AMERICA | 199 | $16K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 199 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.