| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES, INC. | 2961 CENTERVILLE RD STE 300 WILMINGTON, DE 198081971 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.09% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES, INC. | 2961 CENTERVILLE ROAD SUITE 300 WILMINGTON, DE 19808 | USABLE LIFE | $3K | $0 | $3K | 8.78% |
| HM CENTERED HEALTH INC3 Filed as: HM CENTERED HEALTH INC. | 800 DELAWARE AVE STE 900 WILMINGTON, DE 19801 | USABLE LIFE | $742 | $0 | $742 | 2.01% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J. WEINER ASSOC. INC. | 2961 CENTERVILLE RD STE 300 WILMINGTON, DE 198081671 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.66% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J. WEINER ASSOCIATES INC. | 2961 CENTERVILLE ROAD SUITE 300 WILMINGTON, DE 19808 | USABLE LIFE | $3K | $0 | $3K | 13.54% |
| HM CENTERED HEALTH INC3 Filed as: HM CENTERED HEALTH INC. | 800 DELAWARE AVE STE 900 WILMINGTON, DE 19801 | USABLE LIFE | $712 | $0 | $712 | 3.71% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES INC. | 2961 CENTERVILLE ROAD SUITE 300 WILMINGTON, DE 19808 | USABLE LIFE | $2K | $0 | $2K | 8.80% |
| HM CENTERED HEALTH INC3 Filed as: HM CENTERED HEALTH INC. | 800 DELAWARE AVE STE 900 WILMINGTON, DE 19801 | USABLE LIFE | $380 | $0 | $380 | 2.01% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES INC. | 2961 CENTERVILLE ROAD SUITE 300 WILMINGTON, DE 19808 | USABLE LIFE | $943 | $0 | $943 | 14.99% |
| HM CENTERED HEALTH INC3 Filed as: HM CENTERED HEALTH INC. | 800 DELAWARE AVE STE 900 WILMINGTON, DE 19801 | USABLE LIFE | $629 | $0 | $629 | 10.00% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES INC. | 2961 CENTERVILLE RD SUITE 300 WILMINGTON, DE 19808 | USABLE LIFE | $129 | $0 | $129 | 14.98% |
| HM CENTERED HEALTH INC3 Filed as: HM CENTERED HEALTH INC. | 800 DELAWARE AVE STE 900 WILMINGTON, DE 19801 | USABLE LIFE | $86 | $0 | $86 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEORGE J WEINER ASSOCIATES BROKER | Insurance agents and brokers Service code 22 | 2961 CENTERVILLE RD SUITE 300 WILMINGTON, DE 19808 | $57K |
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $30K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $23K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $8K |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 426 | $111K |
| Vision | VISION SERVICE PLAN | 135 | $22K |
| Life insurance | USABLE LIFE | 182 | $19K |
| Short-term disability | USABLE LIFE | 182 | $37K |
| Long-term disability | USABLE LIFE | 182 | $19K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 137 | $382K |
| Other(5 contracts, 3 carriers) | USABLE LIFE | 186 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.