| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.49% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 4720 MONTGOMERY LANE, SUITE 500 BETHESDA, MD 20814 | RELIASTAR LIFE INSURANCE COMPANY | $248 | $0 | $248 | 0.12% |
| SAFEGUARD GROUP INC3 Filed as: SAFEGUARD GROUP, INC. | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 19063 | RELIASTAR LIFE INSURANCE COMPANY | $248 | $0 | $248 | 0.12% |
| THOMPSON FLANAGAN AND COMPANY3 Filed as: THOMPSON FLANAGAN AND CO | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 3.37% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $528 | $0 | $528 | 0.30% |
| SAFEGUARD GROUP INC3 Filed as: SAFEGUARD GROUP, INC. | 100 GRANITE DRIVE, SUITE 205 MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $528 | $0 | $528 | 0.30% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $1K | $6K | 34.35% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 26.26% |
| EDUARDO TUCTO3 | 1574 56TH STREET BROOKLYN, NY 11219 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $493 | $2K | 10.18% |
| FULVIO A. ACOSTA3 | 15017 WORTHINGTON ROAD PHILADELPHIA, PA 19116 | THE PAUL REVERE LIFE INSURANCE COMPANY | $804 | $211 | $1K | 5.79% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $764 | $152 | $916 | 5.23% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNGTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $193 | $29 | $222 | 1.27% |
| MJ INSURANCE3 Filed as: SHANE WILLIAMS AND VARIOUS AGENTS | 149 EAST MORELAND AVENUE HATBORO, PA 19040 | THE PAUL REVERE LIFE INSURANCE COMPANY | $120 | $0 | $120 | 0.69% |
| O'NEIL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $944 | $549 | $1K | 31.50% |
| SAFEGUARD GROUP INC3 Filed as: THE SAFEGUARD GROUP, INC. | 100 GRANITE DRIVE MEDIA, PA 19063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $35 | $1K | 27.24% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | $201 | $548 | 11.56% |
| ROSALIE K BALDWIN3 Filed as: ROSALIE K. BALDWIN | 8134 MOYER ROAD HARRISBURG, PA 17112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $209 | $360 | 7.60% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $18 | $139 | 2.93% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN ROAD CHESAPEAKE CAY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $15 | $135 | 2.85% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.97% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $618 | $2K | 37.43% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 22.76% |
| EDUARDO TUCTO3 | 1574 56TH STREET BROOKLYN, NY 11219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $100 | $565 | 12.56% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $22 | $171 | 3.80% |
| FULVIO A. ACOSTA3 | 15017 WORTHINGTON ROAD PHILADELPHIA, PA 19116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $29 | $122 | 2.71% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNGTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | $17 | $87 | 1.93% |
| MJ INSURANCE3 Filed as: SHANE WILLIAMS AND VARIOUS AGENTS | 149 EAST MORELAND AVENUE HATBORO, PA 19040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $2 | $16 | 0.36% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $578 | $335 | $913 | 47.85% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $434 | $0 | $434 | 22.75% |
| EDUARDO TUCTO3 | 1574 56TH STREET BROOKLYN, NY 11219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $22 | $124 | 6.50% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $14 | $109 | 5.71% |
| FULVIO A. ACOSTA3 | 15017 WORTHINGTON ROAD PHILADELPHIA, PA 19116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $19 | $80 | 4.19% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNGTINGTON, NY 11743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $4 | $19 | 1.00% |
| MJ INSURANCE3 Filed as: SHANE WILLIAMS AND VARIOUS AGENTS | 149 EAST MORELAND AVENUE HATBORO, PA 19040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.52% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | $11 | $57 | 40.43% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD SUITE 500 CHICAGO, IL 60661 | THE PAUL REVERE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 24.11% |
| BRAD BIEL3 Filed as: BRAD LEE MUNDY | 108 BALMORE LANE WILMINGTON, DE 19808 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | $3 | $17 | 12.06% |
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 | 691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 327 | $177K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 327 | $177K |
| Life insurance(6 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 904 | $239K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 904 | $210K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 904 | $210K |
| Other(6 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 904 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.