| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | AETNA LIFE INSURANCE CO. | $6K | $2K | $8K | 1.18% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT RD, STE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.46% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $465 | $0 | $465 | 1.05% |
| HARDENBERGH INSURANCE GROUP3 Filed as: HARDENBERGH INSURANCE GROUP INC. | 8000 SAGEMORE DRIVE #8101 MARLTON, NJ 08053 | AEGIS SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 6.95% |
| AEGIS GENERAL INSURANCE AGENCY3 Filed as: AEGIS GENERAL INSURANCE AGENCY INC. | 4507 NORTH FRONT STREET SUITE 200 HARRISBURG, PA 17110 | AEGIS SECURITY INSURANCE COMPANY | $986 | $0 | $986 | 3.20% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.80% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 660 AMERICAN AVE SUITE 101 KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $366 | $0 | $366 | 2.20% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $996 | $0 | $996 | 10.00% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228 | $0 | $228 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HARDENBERGH INSURANCE GROUP BROKER | Insurance agents and brokers Service code 22 | PO BOX 8000 MARLTON, NJ 08053 | $26K |
| DIGITAL INSURANCE BROKER | Insurance agents and brokers Service code 22 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | $5K |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 125 | $654K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $44K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $44K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $10K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $17K |
| Other(2 contracts, 2 carriers) | AEGIS SECURITY INSURANCE COMPANY | 117 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.