| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.51% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES INC. | 2962 CENTERVILLE RD STE 300 WILMINGTON, DE 19808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.21% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES INC. | 2961 CENTERVILLE RD STE 300 WILMINGTON, DE 19808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.01% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOC INC | 2961 CENTERVILLE ROAD STE 300 WILMINGTON, DE 19808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $994 | $0 | $994 | 15.00% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES INC. | 2691 CENTERVILLE RD STE 300 WILINGTON, DE 19808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $573 | $0 | $573 | 10.00% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOC INC | 2961 CENTERVILLE ROAD STE 300 WILMINGTON, DE 19808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $489 | $0 | $489 | 14.99% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOCIATES INC. | 2961 CENTERVILLE RD STE 300 WILMINGTON, DE 19808 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | $0 | $244 | 12.00% |
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 | 212 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $74K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $17K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $26K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $10K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.