| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $180 | $2K | 8.19% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $287 | $2K | 6.32% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD COURT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | — | $427 | 1.46% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET HAVRE DE GRACE, MD 21078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $301 | — | $301 | 1.03% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 0.52% |
| MICHAEL URBAN3 | 3091 ACACIA STREET WILMINGTON, DE 19804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $3 | $105 | 0.36% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.21% |
| BRIAN PEVEC3 | 60 AUGUSTA DRIVE NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $2 | $36 | 0.12% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DAVID DIPASQUALE | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.05% |
| TUCTO & ASSOCIATES CORP3 Filed as: TUCTO & ASSOCIATES CORPORATION | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| EDWARD D SOMMER3 Filed as: EDWARD P DOUGHERTY INC. | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| ERNESTO MCKENZIE JR3 | 9210 TOMS TRAIL LAUREL, MD 20723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| EDUARDO TUCTO3 | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD COURT HOCKESSIN, DE 19707 | THE PAUL REVERE LIFE INSURANCE COMPANY | $432 | — | $432 | 2.67% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | THE PAUL REVERE LIFE INSURANCE COMPANY | $303 | $5 | $308 | 1.91% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $88 | $86 | $174 | 1.08% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | THE PAUL REVERE LIFE INSURANCE COMPANY | $164 | — | $164 | 1.02% |
| TUCTO & ASSOCIATES CORP3 Filed as: TUCTO & ASSOCIATES CORPORATION | 16 OCEAN PARKWAY BROOKLYN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| EDUARDO TUCTO3 | 1574 56TH TREET BROOKLYN, NY 11219 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE PAUL REVERE LIFE INSURANCE COMPANY | 3 | $16K |
| Dental | AETNA LIFE INSURANCE COMPANY | 117 | $39K |
| Vision | AETNA LIFE INSURANCE COMPANY | 117 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $39K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $39K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.