| 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 | $34K | — | $34K | 4.73% |
| DAVID LYONS3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | HIGHMARK DELAWARE | $2K | — | $2K | 0.30% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSETT ROAD SUITE 200 BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.80% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 899 CASSETT ROAD SUITE 200 BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY OF AMERICA | $4K | $562 | $4K | 15.77% |
| 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 | $1K | — | $1K | 5.00% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $3K | $267 | $3K | 16.53% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 153 | $713K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 121 | $68K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 121 | $68K |
| Life insurance | UNUM INSURANCE COMPANY OF AMERICA | 283 | $28K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 283 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.