| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.59% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46 | $46 | 0.03% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 9.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILIMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 9.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILIMINGTON, DE 19809 | RELIANCE LIFE INSURANCE COMPAY | $5K | — | $5K | 9.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $168K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 437 | $26K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $155K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 328 | $209K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 310 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.