| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP, INC | 100 GRANITE DR. SUITE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP, INC | 100 GRANITE DR. SUITE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $4 | $103 | 3.91% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE MEDIA, PA 19063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $2 | $72 | 2.73% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.72% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.42% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARNBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.42% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L GARRISON | 1827 EASTERN RD S DAYTONA, FL 32119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.23% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP, INC | 100 GRANITE DR. SUITE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP, INC | 100 GRANITE DR. SUITE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP, INC | 100 GRANITE DR. SUITE 205 MEDIA, PA 19063 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $0 | $0 | — |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP, INC | 100 GRANITE DR. SUITE 205 MEDIA, PA 19063 | VISION SERVICE PLAN | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SAFEGARD GROUP, INC BROKER | Insurance agents and brokers Service code 22 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | $40K |
| HIGHMARK OF DE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $36K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $5K |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $12K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 78 | $277K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.