| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACHARY WISLER3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $4K | $140 | $4K | 8.03% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $2K | $384 | $2K | 4.33% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $902 | $140 | $1K | 2.05% |
| MJ INSURANCE3 Filed as: TY SHERWOOD AND VARIOUS AGENTS | 13965 SOUTH DUPONT HIGHWAY FELTON, DE 19943 | AFLAC | $692 | $207 | $899 | 1.77% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $880 | $0 | $880 | 1.73% |
| AUTUMN STROHMAIER3 | 176 SOUTH SHORE ROAD ELKTON, MD 31921 | AFLAC | $720 | $44 | $764 | 1.50% |
| AUTUMN STROHMAIER3 | 573 BELLEVUE ROAD, SUITE B NEWARK, DE 19713 | AFLAC | $758 | $0 | $758 | 1.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 10.01% |
| ZACHARY WISLER3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $3K | $125 | $3K | 7.00% |
| AUTUMN STROHMAIER3 Filed as: AUTUMN STROHMAIER AND OTHER AGENTS | 573 BELLEVUE ROAD, SUITE B NEWARK, DE 19713 | AFLAC | $1K | $13 | $1K | 2.96% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $736 | $290 | $1K | 2.70% |
| TY SHERWOOD3 | 13965 SOUTH DUPONT HIGHWAY FELTON, DE 19943 | AFLAC | $652 | $239 | $891 | 2.35% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $786 | $0 | $786 | 2.07% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $615 | $125 | $740 | 1.95% |
| SCOTT A. RAPPAPORT3 | 12 FORSYTHIA COURT LAFAYETTE HILL, PA 19444 | AFLAC | $430 | $0 | $430 | 1.13% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $812 | $0 | $812 | 15.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | AFLAC | 134 | $139K |
| Short-term disability(2 contracts) | AFLAC | 63 | $89K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 134 | $50K |
| Other(3 contracts, 2 carriers) | AFLAC | 134 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.