| 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 | AETNA LIFE INSURANCE COMPANY | $32K | $5K | $37K | 4.69% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL VOLUNTARY BENEFIT SERVICES | 5626 KIRWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $298 | $2K | 17.71% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 17.42% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RAOD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $16 | $1K | 10.27% |
| ERNESTO MCKENZIE JR3 Filed as: ERNESTO MCKENZIE JR. | 8618 CHESTNUT RIDGE DRIVE LAUREL, MD 20707 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $13 | $181 | 1.67% |
| DARLENE BLAASCH3 | 701 SOUTH BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $97 | $27 | $124 | 1.15% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $20 | $45 | 0.42% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL VOLUNTARY BENEFIT SERVICES | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $79 | $2K | 18.53% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.71% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.20% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 125 | $791K |
| Dental | AETNA LIFE INSURANCE COMPANY | 125 | $791K |
| Vision | AETNA LIFE INSURANCE COMPANY | 125 | $791K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 125 | $811K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $20K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 125 | $791K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 125 | $791K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 125 | $811K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.