| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SAFEGARD GROUP INC3 Filed as: THE SAFEGARD GROUP, LINC | 100 GRANITE DRIVE, # 205 MEDIA, PA 19063 | VISION SERVICE PLAN | $705 | $0 | $705 | 7.74% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $34 | $0 | $34 | 0.37% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $2K | $409 | $3K | 28.66% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $2K | $186 | $2K | 19.77% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $332 | $140 | $472 | 5.36% |
| SAFEGUARD GROUP INC3 Filed as: THE SAFEGUARD GROUP, INC. | 100 GRANITE DRIVE MEDIA, PA 19063 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.30% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESEAPEAKE CITY, MD 21915 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.25% |
| SAFEGUARD GROUP INC3 Filed as: SAFEGUARD GROUP INC. | 100 GRANITE DR STE 205 MEDIA, PA 190635134 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $73 | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SAFEGARD GROUP, INC. BROKER | Insurance agents and brokers Service code 22 | 100 GRANITE DRIVE, # 205 MEDIA, PA 19063 | $55K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $10K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
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 | 58 | 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) | 58 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 68 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $0 |
| Short-term disability | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | 9 | $9K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $0 |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 58 | $334K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.