| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID LYONS3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | HIGHMARK DELAWARE | $41K | — | $41K | 2.99% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | HIGHMARK DELAWARE | $21K | — | $21K | 1.55% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSETT ROAD SUITE 200 BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.48% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 5.49% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | 899 CASSETT ROAD SUITE 200 BERWYN, PA 19312 | STARMOUNT LIFE INSURANCE COMPANY | — | -$5K | -$5K | -5.46% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 899 CASSALT ROAD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | $2K | $641 | $3K | 21.77% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 400 BERWYN PARK SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | UNUM INSURANCE COMPANY | — | $641 | $641 | 5.46% |
| 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 | $4 | $1K | 12.80% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY OF AMERICA | $973 | $195 | $1K | 12.94% |
| 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 | — | $487 | $487 | 5.40% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | UNUM INSURANCE COMPANY OF AMERICA | — | $487 | $487 | 5.40% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 194 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 162 | $91K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 162 | $91K |
| Life insurance | UNUM INSURANCE COMPANY OF AMERICA | 289 | $9K |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 289 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
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.