| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCKWOOD OFFICE PARK3 | 501 CARR RD, SUITE 301 WILMINGTON, DE 198092866 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 5.06% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY IN | ONE RIGHTER PARKWAY, SUITE 110 DELAWARE CORPORATE CENTER ONE WILMINGTON, DE 19803 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.19% |
| INDEPENDENCE PLANNING GROUP3 | 1767 SENTRY PKWY W. BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $148 | — | $148 | 0.39% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 SOUTH THIRD STREET, SUITE 800 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69 | — | $69 | 0.18% |
| THOMAS D. RIDGE3 | 218 POND DRIVE HOCKESSIN, DE 19707 | AFLAC | $186 | $0 | $186 | 5.41% |
| CHARLES SAULSBERY3 Filed as: CHARLES L. SAULSBERY | P.O. BOX 5320 WILMINGTON, DE 19808 | AFLAC | $83 | $0 | $83 | 2.42% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $38 | $0 | $38 | 1.11% |
| NANCY LEE COMBS3 | 221 W. HIGH STREET ELKTON, MD 21921 | AFLAC | $21 | $0 | $21 | 0.61% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $10 | $0 | $10 | 0.29% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $6 | $0 | $6 | 0.17% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | $0 | $1 | 0.03% |
| JOHN D ELLIS3 Filed as: JOHN D. ELLIS | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.03% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCES AGENCY, INC. | 1 RIGHTER PKWY WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 4.06% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $7 | $82 | 3.08% |
| NICHOLAS CUSMANO3 | 1604 STONEGATE BLVD. ELKTON, MD 21921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $1 | $62 | 2.33% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HWY. WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $8 | $51 | 1.92% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P. DOUGHERTY, INC. | 4550 PRESTWICK DR. READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 1.46% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 1.35% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.15% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M. HENSS LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.08% |
| CHARLES W HOLZMAN3 Filed as: CHARLES W. HOLZMAN | 4416 MACWORTH PLACE BALTIMORE, MD 21236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 8 | $3K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 73 | $54K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 73 | $54K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $38K |
| Short-term disability | AFLAC | 8 | $3K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $38K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
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.