| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $322 | $5K | 5.76% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.17% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | METROPOLITAN LIFE INSURANCE COMPANY | $972 | — | $972 | 1.08% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.65% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.83% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERYWN, PA 193121190 | HORIZON HEALTHCARE SERVICES, INC. | $5K | $322 | $5K | 21.35% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT RD 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | HORIZON HEALTHCARE SERVICES, INC. | — | $2K | $2K | 8.06% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | HORIZON HEALTHCARE SERVICES, INC. | $972 | — | $972 | 3.99% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $683 | — | $683 | 6.67% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK SUITE 200 BERWYN, NJ 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $341 | — | $341 | 3.33% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $411 | — | $411 | 10.00% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | — | $205 | 4.99% |
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 | 407 | 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) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 362 | $115K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 87 | $10K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 398 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.