| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIA CLYDE3 | 111 RUTHAR DRIVE NEWARK, DE 19711 | HIGHMARK DELAWARE | $46K | — | $46K | 2.82% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | HIGHMARK DELAWARE | $42K | — | $42K | 2.62% |
| TRACEY MATZ3 | 819 HIBERNATION WAY CONWAY, SC 29526 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $26 | $12K | 8.64% |
| AP BENEFIT ADVISORS, LLC3 | 111 CONTINENTAL DRIVE, SUITE 405 NEWARK, DE 19713 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $7K | 4.87% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 Filed as: ROTH VOLUNTARY BENEFIT SERVICES | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $799 | $5K | 3.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | C/O BANK OF AMERICA BOSTON, MA 02241 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $82 | $2K | 1.78% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $135 | $2K | 1.42% |
| BRIAN PEVEC3 | 60 AUGUSTA DRIVE NEWARK, DE 19713 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $35 | $1K | 0.97% |
| CHARLES L SAULSBERY3 Filed as: CHARLES L. SAULSBERY | PO BOX 5320 WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $632 | $298 | $930 | 0.68% |
| AP BENEFIT ADVISORS, LLC3 | 111 CONTINENTAL DRIVE, SUITE 405 NEWARK, DE 19713 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $646 | — | $646 | 12.56% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $643 | — | $643 | 12.50% |
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 | 87 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 104 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 154 | $5K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $137K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $137K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.