| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $35K | $10K | $45K | 4.40% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS. AGY., LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $703 | $9K | 11.11% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.20% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $6K | $1K | $7K | 13.61% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BNFTS. AGY., LLC | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.58% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFIT SRVCS., INC. | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $958 | $152 | $1K | 6.34% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $920 | $95 | $1K | 5.80% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD COURT HOCKESSIN, DE 19707 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $264 | $0 | $264 | 1.51% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $2 | $44 | 0.25% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $3 | $41 | 0.23% |
| TUCTO & ASSOCIATES CORP3 Filed as: TUCTO & ASSOCIATES, CORP. | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.04% |
| BRYLIN EMPLOYEE BENEFITS LLC3 Filed as: BRYLIN EMPLOYEE BENEFITS, LLC | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 77 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $81K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $81K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $54K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $54K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 77 | $1.0M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 113 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.