| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $22 | $5K | 4.30% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BALLFIELD COURT HOCKESSIN, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.61% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $54 | $1K | 1.07% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LN WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $425 | $16 | $441 | 0.40% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $0 | $148 | 0.13% |
| EDUARDO TUCTO3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $0 | $144 | 0.13% |
| TUCTO & ASSOCIATES CORP3 | 16 OCEAN PKWY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $0 | $104 | 0.09% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.06% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DRIVE MEDIA, PA 19063 | AETNA LIFE INSURANCE CO. | $418 | $0 | $418 | 6.30% |
| DONATO HOLDINGS INC3 Filed as: DONATO HOLDINGS, INC | 100 GRANITE DR MEDIA, PA 19063 | AETNA LIFE INSURANCE CO. | $284 | $0 | $284 | 4.28% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE MEDIA, PA 19063 | AETNA LIFE INSURANCE CO. | $58 | $0 | $58 | 0.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT (THE SAFEGARD GROUP, INC.) EIN 23-2755894 BROKER | Insurance agents and brokers Service code 22 | — | $30K |
| AETNA HEALTH PLANS EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $20K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
| CONNECTCARE3 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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $112K |
| Vision | AETNA LIFE INSURANCE CO. | 79 | $7K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $112K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $112K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $112K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 52 | $185K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.