| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 10.00% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $2K | $131 | $2K | 4.73% |
| ZACHARY WISLER3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $2K | $0 | $2K | 3.92% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $692 | $0 | $692 | 1.57% |
| JOHN T CAPOZZI3 Filed as: JOHN T. CAPOZZI | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $286 | $0 | $286 | 0.65% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DIPASQUALE AND OTHER AGENTS | 603 WESTBURY ROAD FALLSTON, MD 21047 | AFLAC | $221 | $31 | $252 | 0.57% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $140 | $31 | $171 | 0.39% |
| TY SHERWOOD3 | 13965 SOUTH DUPONT HIGHWAY FELTON, DE 19943 | AFLAC | $153 | $0 | $153 | 0.35% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $2K | $342 | $2K | 5.25% |
| ZACHARY WISLER3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $749 | $0 | $749 | 1.72% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $623 | $0 | $623 | 1.43% |
| MJ INSURANCE3 Filed as: JOHN T. CAPOZZI AND VARIOUS AGENTS | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $536 | $0 | $536 | 1.23% |
| SCOTT A. RAPPAPORT3 | 12 FORSYTHIA COURT LAFAYETTE HILL, PA 19444 | AFLAC | $380 | $0 | $380 | 0.87% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $247 | $80 | $327 | 0.75% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 603 WESTBURY ROAD FALLSTON, MD 21047 | AFLAC | $218 | $80 | $298 | 0.68% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $954 | $0 | $954 | 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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $156K |
| Short-term disability(2 contracts) | AFLAC | 67 | $88K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $69K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.