| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFEGUARD GROUP INC3 Filed as: THE SAFEGUARD GROUP | 100 GRANITE DRIVE MEDIA, PA 19063 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $26K | $700 | $26K | 21.41% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HWY WILMINGTON, DE 19808 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 9.26% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 9.26% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $4K | $594 | $5K | 3.72% |
| EDUARDO TUCTO3 | 1574 56TH ST BROOKLYN, NY 11219 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $3K | $593 | $3K | 2.73% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $2K | $247 | $2K | 1.79% |
| WALTER THOMAS BONILLA3 | 9 LONGLEAF LANE MEDFORD, NY 11763 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $201 | $98 | $299 | 0.24% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 Filed as: ROCHELLE DIANE KELLY - PERRY THOMAS | 5 NORTH WESLEY COURT HUNTINGTON, NY 11743 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $201 | $49 | $250 | 0.20% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE MEDIA, PA 19063 | AETNA LIFE INSURANCE CO. | $166 | $0 | $166 | 2.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SAFEGARD GROUP, INC. BROKER | Insurance agents and brokers Service code 22 | 100 GRANITE DRIVE, # 205 MEDIA, PA 19063 | $34K |
| AETNA EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $25K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 64 | 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) | 64 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | 69 | $124K |
| Vision | AETNA LIFE INSURANCE CO. | 87 | $7K |
| Life insurance | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | 69 | $124K |
| Short-term disability | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | 69 | $124K |
| Long-term disability | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | 69 | $124K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 64 | $164K |
| Other | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | 69 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.