| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAFEGARD GROUP INC3 Filed as: THE SAFEGARD GROUP | 100 GRANITE DRIVE SUITE 205 MEDIA, PA 19063 | STANDARD INSURANCE COMPANY | $1K | $228 | $1K | 3.49% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FT WASHINGTON, PA 19034 | STANDARD INSURANCE COMPANY | $370 | — | $370 | 0.92% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 21.68% |
| THE SAFEGARD GROUP INC3 | 100 GRANITE DRIVE MEDIA, PA 19063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $395 | $5K | 21.20% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $433 | $2K | 8.34% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 0.39% |
| CHARLES SAULSBERY3 | P.O. BOX 5320 WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| ROBERT H. ROTH3 Filed as: ROBERT H ROTH JR | 9 DEARBORN LANE BEAR, DE 19701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.40% |
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 | 85 | 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) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 87 | $0 |
| Dental | STANDARD INSURANCE COMPANY | 90 | $40K |
| Vision | STANDARD INSURANCE COMPANY | 90 | $40K |
| Life insurance | STANDARD INSURANCE COMPANY | 90 | $40K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 18 | $24K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 90 | $57K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 18 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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."
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.