| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC | ONE RIGHTER PKWY, SUITE 110 WILMINGTON, DE 19803 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| DELAWARE ANCILLARY INSURANCE AGENCY3 | 800 DELAWARE AVE., SUITE 900 WILMINGTON, DE 19801 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 11.68% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC | ONE RIGHTER PKWY, SUITE 110 WILMINGTON, DE 19803 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.66% |
| KEVIN O NEIL3 Filed as: KEVIN O'NEIL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 9.25% |
| ROBERT H. ROTH3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $571 | $2K | 4.50% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC | ONE RIGHTER PKWY, SUITE 110 WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| JAMIE LEIGH O'NEILL3 Filed as: JAMIE LEIGN O'NEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $58 | $528 | 0.96% |
| STEPHANIE M RECORDS3 Filed as: STEPHANIE M. RECORDS | 65 MIDLAND DRIVE NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.09% |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD OF DELAWARE | 172 | $1.8M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 179 | $73K |
| Vision | HIGHMARK BLUE CROSS BLUE SHIELD OF DELAWARE | 172 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 280 | $111K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 280 | $111K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 280 | $56K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 280 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
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.