| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFEGUARD GROUP INC3 | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 3.99% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 3.72% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 2.47% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.58% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $507 | $3K | 5.47% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | MUTUAL OF OMAHA INSURANCE COMPANY | $561 | $300 | $861 | 6.56% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DRIVE SUITE 220 MEDIA, PA 19063 | MUTUAL OF OMAHA INSURANCE COMPANY | $751 | — | $751 | 5.72% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $732 | — | $732 | 6.14% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 308 WILMINGTON, DE 19809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $461 | $227 | $688 | 5.77% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $290 | — | $290 | 4.82% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $265 | — | $265 | 4.40% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $218 | $106 | $324 | 6.31% |
| THE SAFEGARD GROUP INC3 Filed as: THE SAFEGARD GROUP INC. | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $296 | — | $296 | 5.77% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DC 19809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $169 | $96 | $265 | 6.68% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $228 | — | $228 | 5.74% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | MUTUAL OF OMAHA INSURANCE COMPANY | $102 | $54 | $156 | 6.68% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | MUTUAL OF OMAHA INSURANCE COMPANY | $132 | — | $132 | 5.66% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $318K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $48K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $6K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 95 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 9 | $5K |
| Other(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 95 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.