| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 1.17% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.56% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.52% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $505 | — | $505 | 2.47% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | GUARDIAN | $2K | — | $2K | 9.00% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $873 | — | $873 | 8.34% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | — | $627 | 5.99% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HWY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 1.08% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.03% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $405 | — | $405 | 3.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $478 | — | $478 | 4.97% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR RD SUITE 301 WILINGTON, DE 19809 | VISION SERVICE PLAN | $244 | — | $244 | 2.54% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $612K |
| Dental | GUARDIAN | 99 | $19K |
| Vision | VISION SERVICE PLAN | 87 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $10K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.