| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC3 | 220 CONTINENTAL DRIVE SUITE 209 NEWARK, DE 19713 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.08% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $541 | $5K | 15.83% |
| IFS BENEFITS LLC3 | 1523 CONCORD PIKE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.83% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.04% |
| DARLENE BLAASCH3 | 701 S BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $963 | $339 | $1K | 4.51% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $974 | $33 | $1K | 3.49% |
| PETER TURSI3 | 3337 E ORVILLA RD. HATIFIELD, PA 19440 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $940 | $1 | $941 | 3.26% |
| LOVE WILMER3 | 925 CENTRE RD GREENVILLE, DE 19807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | — | $502 | 1.74% |
| SHIELA SMITH3 | 6378 TABARD DRIVE MILFORD, DE 19963 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 0.91% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $5 | $255 | 0.88% |
| IFS BENEFITS LLC3 Filed as: IFS BENEFITS | 220 CONTINENTAL DR SUITE 209 NEWARK, DE 19713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 204 | $1.7M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 204 | $1.8M |
| Vision | AETNA LIFE INSURANCE CO. | 204 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $7K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 184 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $12K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 197 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.