| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.23% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $826 | $71 | $897 | 7.48% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | $0 | $717 | 5.98% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $510 | $3 | $513 | 4.28% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A ROAD SEVERN, MD 21144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.32% |
| DARLENE BLAASCH3 | 701 SOUTH BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $3 | $18 | 0.15% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.03% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $669 | $3 | $672 | 7.05% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | THE PAUL REVERE LIFE INSURANCE COMPANY | $431 | $0 | $431 | 4.52% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | THE PAUL REVERE LIFE INSURANCE COMPANY | $131 | $0 | $131 | 1.37% |
| EVELYN GARCIA3 | 55 BROADWAY NEW YORK, NY 10028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.22% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 149 | $1.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 149 | $1.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 149 | $1.3M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 149 | $1.3M |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $12K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 149 | $1.3M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 149 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.