| 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 | $232 | $2K | 9.47% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $434 | $2K | 7.49% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $525 | $0 | $525 | 2.29% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $24 | $111 | 0.48% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET HAVRE DE GRACE, MD 21078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 0.47% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.34% |
| HILARY RADOLEC3 Filed as: HILARY BISSETT RADOLEC | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.25% |
| EDUARDO TUCTO3 | 1574 56TH STREET BROOKLYN, NY 11219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $6 | $32 | 0.14% |
| EDWARD D SOMMER3 Filed as: EDWARD P DOUGHERTY INC. | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.06% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DAVID DIPASQUALE | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.06% |
| ERNESTO MCKENZIE JR3 | 9210 TOMS TRAIL LAUREL, MD 20723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $536 | $0 | $536 | 2.99% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | THE PAUL REVERE LIFE INSURANCE COMPANY | $431 | $2 | $433 | 2.42% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | THE PAUL REVERE LIFE INSURANCE COMPANY | $183 | $0 | $183 | 1.02% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $146 | $33 | $179 | 1.00% |
| EDUARDO TUCTO3 | 1574 56TH TREET BROOKLYN, NY 11219 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $1 | $11 | 0.06% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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) | THE PAUL REVERE LIFE INSURANCE COMPANY | 24 | $18K |
| Dental | AETNA LIFE INSURANCE COMPANY | 132 | $43K |
| Vision | AETNA LIFE INSURANCE COMPANY | 132 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $37K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 44 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $37K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 44 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.