| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $7K | 6.56% |
| HM CENTERED HEALTH INC3 | 19 NORTH MAIN STREET WILKES-BARRE, PA 18711 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 10.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD SUITE 301 WILMINGTON, DE 19809 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.88% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 16.11% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 6.73% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC | 501 CARR ROAD STE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.68% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $744 | $89 | $833 | 1.39% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.26% |
| DARLEN BLAASCH3 | 1758 RED CEDAR LN ROCKHILL, SC 29732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 280 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $102K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 226 | $64K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 226 | $64K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 226 | $64K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 226 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.