| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | — | $32K | 9.00% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD, SUITE 301 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 5.01% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.57% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILIMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 9.00% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILIMINGTON, DE 19809 | RELIANCE LIFE INSURANCE COMPAY | $6K | — | $6K | 9.00% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | RELIANCE LIFE INSURANCE COMPAY | $4K | — | $4K | 5.29% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.00% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.00% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 22.92% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 10.08% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $9 | $408 | 1.32% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $814 | — | $814 | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | RELIANCE LIFE INSURANCE COMPANY | $806 | — | $806 | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, STE 301 WILMINGTON, DE 19809 | METLIFE LEGAL PLANS | $684 | — | $684 | 9.77% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 443 | $434K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $231K |
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS, LLC | 443 | $62K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $186K |
| Short-term disability(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 485 | $446K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.