| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 11.36% |
| HUDSON PLANNING GROUP INC3 | 17 HUNTSMAN DR GARNET VALLEY, PA 19060 | AMERITAS LIFE INSURANCE CORP | $14K | $776 | $14K | 10.57% |
| HUDSON PLANNING GROUP INC3 | 1521 CONCORD PIKE WILMINGTON, DE 19803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 10.57% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 Filed as: O'NEILL VOLUNTARY BENEFIT SERVCIES | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.17% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 5.15% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $916 | $147 | $1K | 1.44% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | — | $192 | 0.26% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 0.08% |
| DARLENE BLAASCH3 | 1758 RED CEDAR LN ROCKHILL, SC 29732 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A RD SEVERN, MD 21144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 400 POST AVE STE 210 WESTBURY, NY 11590 | 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% |
| DOUGLAS A D'ASCOLI3 | 16905 VINE CT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FREDERICK W WILSON III3 | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $225 | — | $225 | 4.68% |
| WILLIAM B EVANS3 | 277 HYDE PARK RD LANDENBERG, PA 19350 | AFLAC | $127 | — | $127 | 2.64% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $44 | — | $44 | 0.92% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $34 | — | $34 | 0.71% |
| GEORGE J WEINER ASSOCIATES INC3 Filed as: GEORGE J WEINER ASSOC INC | 2961 CENTERVILLE RD STE 300 WILMINGTON, DE 19808 | AFLAC | $32 | — | $32 | 0.67% |
| JOHN DEPRISCO JR3 | 573 BELLEVUE RD STE B NEWARK, DE 19713 | AFLAC | $30 | — | $30 | 0.62% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $19 | — | $19 | 0.40% |
| EDWARD BARNEY DAVIS3 | 7203 PLEASANT CT WILMINGTON, DE 19802 | AFLAC | $11 | — | $11 | 0.23% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $4 | — | $4 | 0.08% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 670 | $136K |
| Vision | AMERITAS LIFE INSURANCE CORP | 670 | $136K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 261 | $152K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 261 | $147K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 261 | $152K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 261 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.