| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | HIGHMARK | $24K | — | $24K | 3.20% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | -$170 | $4K | 12.03% |
| LYONS COMPANIES3 | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.75% |
| DARLENE RUESS3 | 60 NARRAGANSETT AVENUE OSSINING, NY 10562 | AFLAC | $364 | — | $364 | 5.60% |
| DANIEL H BARRY3 Filed as: DANIEL H. BARRY | 59 KRIPPLEBUSH CREEK ROAD STONE RIDGE, NY 12484 | AFLAC | $274 | — | $274 | 4.21% |
| MJ INSURANCE3 Filed as: BRADLEY PALMITER AND VARIOUS AGENTS | 86 CONNELLY DRIVE STAATSBURG, NY 12580 | AFLAC | $141 | — | $141 | 2.17% |
| JOSHUA K HOPPE3 Filed as: JOSHUA K. HOPPE | 580 WHITE PLAINS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $36 | — | $36 | 0.55% |
| KEVIN CARTY3 | 18 BRADHURST ROAD CARMEL, NY 10512 | AFLAC | $33 | — | $33 | 0.51% |
| NICHOLAS J. SAILMAS3 | 1207 ROUTE 9, SUITE 1-C WAPPINGERS FALLS, NY 12590 | AFLAC | $29 | — | $29 | 0.45% |
| JOSEPH L EAMES3 Filed as: JOSEPH L. EAMES | 3520 NEW HARTFORD ROAD, SUITE 200 OWENSBORO, KY 42303 | AFLAC | $28 | — | $28 | 0.43% |
| KEVIN O'NEILL3 Filed as: KEVIN ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $586 | — | $586 | 11.14% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | THE PAUL REVERE LIFE INSURANCE COMPANY | $505 | — | $505 | 9.60% |
| EVELYN GARCIA3 | 1562 1ST AVENUE NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $87 | $3 | $90 | 1.71% |
| JEROME SUMMERS3 | 125 SAINT JOHNS PLACE BROOKLYN, NY 11217 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | — | $61 | 1.16% |
| BRAD BIEL3 | 2 GOLD STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.29% |
| THE WORKSIGHT GROUP LLC3 Filed as: THE WORKSIGHT GROUP, LLC | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $8 | $13 | 0.25% |
| KEVIN O'NEILL3 Filed as: KEVIN ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $814 | $351 | $1K | 35.55% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $599 | — | $599 | 18.28% |
| JAMIE LEIGH O'NEILL3 Filed as: JAMIE LEIGH ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $12 | $117 | 3.57% |
| NICHOLAS CUSMANO3 | 1604 STONEGATE BOULEVARD ELKTON, MD 21921 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $5 | $64 | 1.95% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 128 | $754K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $36K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $76K |
| Short-term disability(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $76K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $68K |
| Prescription drug | HIGHMARK | 128 | $754K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.