| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC - 899 CASSATT RD STE 200 400 BERWYN PARK, STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.45% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC-400 BERWYN PARK SUITE 200 899 CASSATT RD BERWYN, PA 19312 | ANTHEM INSURANCE COMPANIES, INC. | $9K | — | $9K | 10.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $1K | $1K | 1.36% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955909 SAINT LOUIS, MO 63195 | ANTHEM INSURANCE COMPANIES, INC. | $0 | — | $0 | 0.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS GENERAL AGCY | 400 BERWYN PARK #200 BERWYN, PA 19312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 7.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $298 | $298 | 0.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $215 | $215 | 0.46% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL | AGENCY LLC-400 BERWYN PARK, STE 200 899 CASSATT ROAD BERWYN, PA 19312 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 16.44% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 559 | $91K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $290K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 559 | $91K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $81K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $47K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.