| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 7.53% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52 | $52 | 0.01% |
| THE SAFEGARD GROUP INC3 Filed as: THE SAFEGARD GROUP INC. | 100 GRANITE DR SUITE 205 MEDIA, PA 19063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC. | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 190635134 | METROPOLITAN LIFE INSURANC COMPANY | $281 | — | $281 | 3.72% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 3.32% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 1.48% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.94% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 90 | $352K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $94K |
| Vision | METROPOLITAN LIFE INSURANC COMPANY | 138 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $94K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
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.