| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 9.64% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 9.13% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL VOLUNTARY BENEFIT SERVICES | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 7.17% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $305 | $2K | 2.23% |
| NICHOLAS CUSMANO3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $773 | — | $773 | 0.82% |
| RODNEY L RICH CO INC3 Filed as: RODNEY L GARRISON | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $342 | — | $342 | 0.36% |
| DARLENE BLAASCH3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.12% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.06% |
| PETER TURSI3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DRIVE NEWARK, DE 19713 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 1.44% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DRIVE SUITE 209 NEWARK, DE 19713 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.10% |
| TERRIANN PROCIDA3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $500 | — | $500 | 1.68% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 0.28% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $47 | $47 | 0.30% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $46 | $46 | 0.30% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26 | $26 | 0.30% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 277 | $91K |
| Vision | AETNA LIFE INSURANCE CO | 277 | $91K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 245 | $103K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $16K |
| Stop-loss / reinsurancereinsurance | XCHANGE BENEFITS LLC | 168 | $298K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 245 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.