| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | HIGHMARK DELAWARE | $27K | — | $27K | 3.23% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.82% |
| LYONS COMPANIES3 | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.71% |
| DANIEL H BARRY3 Filed as: DANIEL H. BARRY | 59 KRIPPLEBUSH CREEK ROAD STONE RIDGE, NY 12484 | AFLAC | $251 | — | $251 | 4.24% |
| DARLENE RUESS3 | 60 NARRAGANSETT AVENUE OSSINING, NY 10562 | AFLAC | $144 | $26 | $170 | 2.87% |
| MJ INSURANCE3 Filed as: RANDI E. RIVA AND VARIOUS AGENTS | 312 GALLERY LANE MOUNT BETHEL, PA 18343 | AFLAC | $125 | $4 | $129 | 2.18% |
| KEVIN CARTY3 | 18 BRADHURST ROAD CARMEL, NY 10512 | AFLAC | $30 | — | $30 | 0.51% |
| NICHOLAS J. SAILMAS3 | 1207 ROUTE 9, SUITE 1-C WAPPINGERS FALLS, NY 12590 | AFLAC | $26 | — | $26 | 0.44% |
| JOSEPH L EAMES3 Filed as: JOSEPH L. EAMES | 3520 NEW HARTFORD ROAD, SUITE 200 OWENSBORO, KY 42303 | AFLAC | $26 | — | $26 | 0.44% |
| BRADLEY K PALMITER3 Filed as: BRADLEY K. PALMITER | 86 CONNELLY DRIVE STAATSBURG, NY 12580 | AFLAC | $24 | — | $24 | 0.41% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | THE PAUL REVERE LIFE INSURANCE COMPANY | $121 | — | $121 | 3.09% |
| KEVIN O'NEILL3 Filed as: KEVIN ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | — | $91 | 2.32% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL VOLUNTARY BENEFIT SERVICES | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | — | $48 | 1.23% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.48% |
| KEVIN O'NEILL3 Filed as: KEVIN ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $120 | $48 | $168 | 8.73% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 6.75% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL VOLUNTARY BENEFIT SERVICES | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $3 | $70 | 3.64% |
| JAMIE LEIGH O'NEILL3 Filed as: JAMIE LEIGH ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $1 | $21 | 1.09% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.10% |
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 | 119 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 134 | $823K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $51K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $39K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $33K |
| Prescription drug | HIGHMARK DELAWARE | 134 | $823K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $41K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.