| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD STE 301 WILMINGTON, DC 19809 | HARTFORD LIFE & ACCIDENT INSURANCE | $8K | $0 | $8K | 16.40% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD 400 BERWYN PK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $1K | $296 | $2K | 4.91% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.44% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | $0 | $418 | 2.89% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $10 | $406 | 2.81% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $7 | $271 | 1.88% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LN WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $2 | $57 | 0.39% |
| DARLENE BLAASCH3 | 1758 RED CEDAR LN ROCK HILL, SC 29732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.06% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR RD STE 301 WILMINGTON, DE 198092866 | VISION SERVICE PLAN | $681 | $0 | $681 | 7.91% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT RD STE 200 BERWYN, PA 193121190 | VISION SERVICE PLAN | $215 | $0 | $215 | 2.50% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT RD 400 BERWYN PK STE 200 BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $82 | $19 | $101 | 4.92% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY INC. | 501 CARR RD STE 301 WILMINGTON, DE 19809 | STANDARD INSURANCE COMPANY | $60 | $0 | $60 | 2.93% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 101 | $33K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 101 | $11K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE | 217 | $48K |
| Short-term disability | HARTFORD LIFE & ACCIDENT INSURANCE | 217 | $48K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE | 217 | $48K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE | 217 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.