| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK, SUITE 200 BERWYN, PA 19312 | HIGHMARK DELAWARE | $67K | — | $67K | 5.51% |
| HUDSON PLANNING GROUP INC3 Filed as: HUDSON PLANNING GROUP | 17 HUNTSMAN DRIVE GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 11.73% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HWY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 18.39% |
| HUDSON PLANNING GROUP INC3 | 1521 CONCORD PIKE WILMINGTON, DC 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 10.75% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $60 | $4K | 7.80% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $394 | $2K | 3.67% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $23 | $2K | 2.86% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $830 | $145 | $975 | 1.81% |
| JENNIFER BAGLEY3 Filed as: JENNIFER CAMPOS | 23 SUNNY BEND NEWARK, DE 19702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $710 | — | $710 | 1.32% |
| ERNESTO MCKENZIE JR3 | 8618 CHESTNUT RIDGE DR LAUREL, MD 20707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | $43 | $602 | 1.12% |
| MULLANY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $156 | $363 | 0.67% |
| SUSAN ADELIA DAVIS3 | 5473 SCHLACK DRIVE GAP, PA 17527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $25 | $192 | 0.36% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.08% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.06% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| VINCENT J ROWAN3 Filed as: VINCENT ROWAN | 4447 E THOMPSON ST PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 2.67% |
| CYNTHIA WHALEN3 | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 1.96% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 1.07% |
| WILLIAM E GOOD3 Filed as: WILLIAM GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.53% |
| FREDERICK W WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $483 | — | $483 | — |
| WILLIAM B EVANS3 Filed as: WILLIAM EVANS | 277 HYDE PARK RD LANDENBERG, PA 19350 | AFLAC | $362 | — | $362 | — |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOC INC | 2961 CENTERVILLE ROAD SUITE 300 WILMINGTON, DE 19808 | AFLAC | $97 | — | $97 | — |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $74 | — | $74 | — |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN CAPOZZI | 254 CHAPMAN ROAD SUITE 203 NEWARK, DE 19702 | AFLAC | $57 | — | $57 | — |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $41 | — | $41 | — |
| KENNETH B COFER3 Filed as: KENNETH COFER | 5960 SYMPHONY WOODS RD, SUITE 214 COLUMBIA, MD 21044 | AFLAC | $40 | — | $40 | — |
| JOHN DEPRISCO JR3 | 573 BELLEVUE RD SUITE B NEWARK, DE 19713 | AFLAC | $29 | — | $29 | — |
| JAY W COMBS3 Filed as: JAY COMBS | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $16 | — | $16 | — |
| EDWARD BARNEY DAVIS3 | 7203 PLEASANT CT WILMINGTON, DE 19802 | AFLAC | $10 | — | $10 | — |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $9 | — | $9 | — |
| NANCY LEE COMBS3 | 221 W HIGH STREET ELKTON, MD 21921 | AFLAC | $7 | — | $7 | — |
| MICHAEL C WALKER3 Filed as: MICHAEL WALKER | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $2 | — | $2 | — |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | — |
| JASON D ELLIS3 Filed as: JASON ELLIS | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | — |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 206 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 258 | $86K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $86K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $86K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 258 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
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.