| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUDSON PLANNING GROUP INC3 | 1521 CONCORD PIKE STE 301 WILMINGTON, DE 198033644 | AMERITAS LIFE INSURANCE CORP | $11K | — | $11K | 10.00% |
| HUDSON PLANNING GROUP INC3 Filed as: HUDSON PLANNING GROUP | 17 HUNTSMAN DRIVE GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 11.74% |
| HUDSON PLANNING GROUP INC3 | 1521 CONCORD PIKE WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $268 | $6K | 10.60% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $361 | $4K | 6.18% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $102 | $3K | 4.91% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $572 | $35 | $607 | 1.07% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | $2 | $436 | 0.77% |
| LOVE WILMER3 | 925 CENTRE RD GREENVILLE, DE 19807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $363 | — | $363 | 0.64% |
| DARLENE BLAASCH3 | 701 S BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $59 | $231 | 0.41% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.13% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A RD SEVERN, MD 21144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.08% |
| DAMARIS SANTIAGO3 | 206 JEFFERSON STREET BALA CYNWYD, PA 19004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| ANZA & ANZA AND ASSOCIATES3 | 1700 PARK AVE WEEHAWKEN, NJ 07086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $22 | $24 | 0.04% |
| VINCENT J ROWAN3 | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| SUSAN ADELIA DAVIS3 | 5473 SCHLACK DRIVE GAP, PA 17527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| CYNTHIA LERNER RUBIN3 Filed as: CYNTHIA P WHALEN | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 350 5TH AVENUE NEW YORK, NY 10118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $5 | $7 | 0.01% |
| CATHY GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| TERESA D'ASCOLI3 | 16905 VINE CT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FRANK M DARTEE3 | 12 MOONSHADOW CT KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| FREDERICK W WILSON III3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $383 | — | $383 | 4.14% |
| WILLIAM B EVANS3 | 277 HYDE PARK RD LANDENBERG, PA 19350 | AFLAC | $292 | — | $292 | 3.15% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $80 | — | $80 | 0.86% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOC INC | 2961 CENTERVILLE RD STE 300 WILMINGTON, DE 19808 | AFLAC | $75 | — | $75 | 0.81% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $55 | — | $55 | 0.59% |
| JOHN DEPRISCO JR3 | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $30 | — | $30 | 0.32% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $30 | — | $30 | 0.32% |
| JAY W COMBS3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $17 | — | $17 | 0.18% |
| COURTNEY BRENNAN3 | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $12 | — | $12 | 0.13% |
| EDWARD BARNEY DAVIS3 | 7203 PLEASANT CT WILMINGTON, DE 19802 | AFLAC | $11 | — | $11 | 0.12% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $6 | — | $6 | 0.06% |
| BILLY J REEDY3 | 319 JOAN DR BEAR, DE 19701 | AFLAC | $5 | — | $5 | 0.05% |
| MICHAEL C WALKER3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL EDWARD RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.01% |
| JASON D ELLIS3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.01% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 369 | $110K |
| Vision | AMERITAS LIFE INSURANCE CORP | 369 | $110K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 261 | $98K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 261 | $98K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 261 | $98K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 261 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
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.