| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 11.47% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | AMERITAS LIFE INSURANCE CORP | $13K | $733 | $13K | 10.58% |
| HUDSON PLANNING GROUP INC3 | 1521 CONCORD PIKE WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 11.26% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 Filed as: O'NEILL VOLUNTARY BENEFIT SERVCIES | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $201 | $3K | 3.86% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $155 | $2K | 3.05% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | $2 | $331 | 0.45% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $4 | $287 | 0.39% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | — | $82 | 0.11% |
| DARLENE BLAASCH3 | 701 S BROAD STREET MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A RD SEVERN, MD 21144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DEIDRE MORRIS3 | 208 PARK AVE. NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| DOUGLAS A D'ASCOLI3 | 16905 VINE CT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FRANK M DARTEE3 | 2 QUINCY DRIVE OAK RIDGE, NJ 07438 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| FREDERICK W WILSON III3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $241 | — | $241 | 4.48% |
| WILLIAM B EVANS3 | 277 HYDE PARK RD LANDENBERG, PA 19350 | AFLAC | $146 | — | $146 | 2.72% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $49 | — | $49 | 0.91% |
| GEROGE J WEINER ASSOCIATES3 Filed as: GEROGE J WEINER ASSOC INC | 2961 CENTERVILLE RD STE 300 WILMINGTON, DE 19808 | AFLAC | $37 | — | $37 | 0.69% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $34 | — | $34 | 0.63% |
| JOHN DEPRISCO JR3 | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $30 | — | $30 | 0.56% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $19 | — | $19 | 0.35% |
| EDWARD BARNEY DAVIS3 | 7203 PLEASANT CT WILMINGTON, DE 19802 | AFLAC | $11 | — | $11 | 0.20% |
| BILLY J REEDY3 | 319 JOAN DR BEAR, DE 19701 | AFLAC | $9 | — | $9 | 0.17% |
| COURTNEY BRENNAN3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $9 | — | $9 | 0.17% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $4 | — | $4 | 0.07% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 569 | $127K |
| Vision | AMERITAS LIFE INSURANCE CORP | 569 | $127K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 250 | $137K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 250 | $132K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 250 | $137K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 250 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.