| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 190635134 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 10.18% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 2.88% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE MEDIA, PA 19063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.68% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFITS SERVICES | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.68% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.14% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 148 | $765K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $211K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $211K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $211K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $211K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $211K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 148 | $763K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.