| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE MEDIA, PA 19063 | AETNA LIFE INSURANCE CO | $582 | — | $582 | 0.04% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 19063 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| O'NEIL VOLUNTARY BENEFIT SERVICES3 Filed as: O'NEIL VOLUNTARY BENEFITS SERVICES | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $8 | $81 | 4.45% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 3.73% |
| NICHOLAS CUSMANO3 | 1758 RED CEDAR LANE CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 2.14% |
| DARLENE BLAASCH3 | 1758 RED CEDAR LN ROCKHILL, SC 29732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.38% |
| CATHY GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.11% |
| EDWARD P DOUGHERTY INC3 | 4550 PRESTWICK DR READING, PA 19606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.11% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 188 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO | 188 | $1.4M |
| Vision | AETNA LIFE INSURANCE CO | 188 | $1.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $54K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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 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.