| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | DBA THE SAFEGUARD GROUP MEDIA, PA 19063 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $5K | $413 | $6K | 16.42% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $3K | $688 | $4K | 10.83% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $2K | $639 | $2K | 7.15% |
| MICHAEL URBAN3 | 3091 ACACIA ST WILMINGTON, DE 19804 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $568 | $69 | $637 | 1.87% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESEAPEAKE CITY, MD 21915 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $553 | $74 | $627 | 1.84% |
| ANTHONY MOSLEY3 | 85 HAZELWOOD CT DOVER, DE 19901 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $140 | $0 | $140 | 0.41% |
| BRIAN PEVEC3 | 60 AGUSTA DR NEWARK, DE 19713 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $70 | $49 | $119 | 0.35% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $112 | $0 | $112 | 0.33% |
| JOHN SPODEN BEAN3 | 2606 EASTBURN CTR NEWARK, DE 19711 | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | $5 | $73 | $78 | 0.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | VISION SERVICE PLAN | $556 | $0 | $556 | 5.83% |
| THE SAFEGARD GROUP INC3 Filed as: THE SAFEGARD GROUP, LINC | 100 GRANITE DRIVE, # 205 MEDIA, PA 19063 | VISION SERVICE PLAN | $343 | $0 | $343 | 3.60% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $48 | $0 | $48 | 0.50% |
| SAFEGUARD GROUP INC3 Filed as: SAFEGUARD GROUP INC. | 100 GRANITE DR STE 205 MEDIA, PA 190635134 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT (THE SAFEGARD GROUP, INC.) EIN 23-2755894 BROKER | Insurance agents and brokers Service code 22 | — | $57K |
| 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 | 57 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 | 67 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | COLONIA LIFE & ACCIDENT INSURANCE COMPANY | 40 | $34K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 57 | $371K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.