| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $82K | $584 | $83K | 6.46% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | INDEPENDENCE BLUE CROSS | $32K | $2K | $34K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | INDEPENDENCE BLUE CROSS | $0 | $2K | $2K | 0.48% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK BERWYN, PA 19312 | INDEPENDENCE BLUE CROSS | $0 | $465 | $465 | 0.13% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC 400 BERWYN PARK BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $9K | $24K | 7.63% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 1.60% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS AGENCY LLC | 899 CASSATT RD SUITE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $931 | $0 | $931 | 4.55% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $190 | $0 | $190 | 0.93% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $33 | $0 | $33 | 0.16% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 132 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $320K |
| Vision | VISION SERVICE PLAN | 133 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $320K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $320K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $320K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 105 | $356K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 212 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.