| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L & W INSURANCE INC | PO BOX 918 DOVER, DE 19808 | COVENTRY HEALTH CARE OF DELAWARE | $67K | — | $67K | 5.01% |
| L & W INSURANCE INC Filed as: L & W INSURANCE INC. | PO BOX 918 DOVER, DE 19903 | AMERITAS | $5K | $877 | $6K | 3.19% |
| L & W INSURANCE INC Filed as: L & W INSURANCE INC. | PO BOX 918 DOVER, DE 19903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.40% |
| L & W INSURANCE INC3 | PO BOX 918 DOVER, DE 19903 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.10% |
| L & W INSURANCE INC | PO BOX 918 DOVER, DE 19903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.72% |
| L & W INSURANCE INC | PO BOX 918 DOVER, DE 19903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.99% |
| L & W INSURANCE INC3 | PO BOX 918 DOVER, DE 19903 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.11% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF DELAWARE | 0 | $1.3M |
| Dental | AMERITAS | 880 | $187K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 880 | $225K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 404 | $227K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 303 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 400 | $48K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.