| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $6K | 6.15% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $128 | $33 | $161 | 0.18% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $189 | $3K | 5.86% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.41% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $17 | $2K | 2.73% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $7 | $125 | 0.22% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | — | $105 | 0.18% |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE ROAD SOUTHAMPTON, PA 18966 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 899 CASSATT ROAD, SUITE 200 BERWYN, PA 19312 | VISION SERVICE PLAN | $487 | — | $487 | 5.21% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | VISION SERVICE PLAN | $230 | — | $230 | 2.46% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 25.43% |
| O'NEIL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $204 | $2K | 22.94% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFIT SERVICES | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $17 | $1K | 17.02% |
| DARLENE BLAASCH3 | 701 S BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $256 | $138 | $394 | 5.75% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.28% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 118 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $91K |
| Vision | VISION SERVICE PLAN | 100 | $9K |
| Life insurance(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 59 | $64K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 59 | $64K |
| Prescription drug | INDEPENDENCE ADMINISTRATORS | 118 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.