| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST # 1115 WILMINGTON, DE 19801 | AETNA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.24% |
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST # 1115 WILMINGTON, DE 19801 | AETNA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.10% |
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST # 1115 WILMINGTON, DE 19801 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.09% |
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST # 1115 WILMINGTON, DE 19801 | AETNA LIFE INSURANCE COMPANY | $0 | $322 | $322 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1007 N ORANGE ST # 1115 WILMINGTON, DE 19801 | AETNA LIFE INSURANCE COMPANY | $0 | $134 | $134 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY W STE 300 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | $7K | $2K | $8K | 9.58% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK 899 CASSATT RD STE 200 BERWYN, PA 19312 | HARTFORD LIFE AND ACCIDENT | $0 | $739 | $739 | 0.86% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $739 | — | $739 | 0.86% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $226 | $2K | 4.92% |
| USI INSURANCE SERVICES LLC3 | 1007 NORTH ORAGNGE STREET WILMINGTON, DE 19801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $51 | $2K | 4.34% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.89% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LN BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $405 | $1K | 2.99% |
| CHESAPEAKE INSURANCE ADVISORS3 | 10 CORPORATE CIR STE 215 NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $452 | — | $452 | 1.11% |
| EMMA JEAN MORRIS3 | 7 DUDLEY DR BURLINGTON, NJ 08016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.26% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $11 | $26 | 0.06% |
| LISA A PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE CONCEPTS INC | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MICHAEL J PERRI3 | 775 ROUTE 70 E STE F100 MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MARY THERESA FISHER4 | 898 UNION CHURCH RD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $148 | — | $148 | 4.88% |
| ILA C GANATRA4 | 24 AUTUMNWOOD DR NEWARK, DE 19711 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $128 | — | $128 | 4.22% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 328 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 328 | $2.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 328 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 290 | $127K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 290 | $86K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 290 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.