| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FT WASHINGTON, PA 19034 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.67% |
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA THE SAFEGUARD GROUP 100 GRANITE DRIVE, SUITE 109 MEDIA, PA 19063 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $6K | $778 | $6K | 19.64% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $5K | $1K | $6K | 18.25% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $869 | $148 | $1K | 3.17% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 109 BELLFIELD COURT HOCKESSIN, DE 19707 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $65 | — | $65 | 0.20% |
| LFS BENEFITS LLC3 | — | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CITY, MD 21915 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $12 | $1 | $13 | 0.04% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 84 | $46K |
| Vision | STANDARD INSURANCE COMPANY | 84 | $46K |
| Life insurance | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 21 | $32K |
| Short-term disability | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 21 | $32K |
| Long-term disability | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 21 | $32K |
| Other | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | 21 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.