| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J. WEINER ASSOCIATES, INC. | RED CLAY CENTER AT LITTLE FALLS 2961 CENTERVILLE ROAD, SUITE 300 WILMINGTON, DE 19808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 15.46% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.99% |
| GINGER L. WEISS3 | 3801 KENNETT PIKE, C-104 GREENVILLE, DE 19807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 21.82% |
| GINGER L. WEISS3 | 3801 KENNETT PIKE, C-104 GREENVILLE, DE 19807 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 19.90% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 493 | $3.6M |
| Dental | DELTA DENTAL OF DELAWARE | 518 | $218K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 522 | $35K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $113K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.