| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L & W INSURANCE INC | 1154 S GOVERNORS AVENUE DOVER, DE 19904 | AETNA LIFE INSURANCE CO | $148K | — | $148K | 4.86% |
| L & W INSURANCE INC Filed as: L & W INSURANCE INC. | PO BOX 918 DOVER, DE 19903 | AMERITAS | $3K | $1K | $4K | 2.63% |
| L & W INSURANCE INC Filed as: L & W INSURANCE INC. | PO BOX 918 DOVER, DE 19903 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| L & W INSURANCE INC3 | PO BOX 918 DOVER, DE 19903 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.75% |
| L & W INSURANCE INC | PO BOX 918 DOVER, DE 19903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.20% |
| L & W INSURANCE INC3 | PO BOX 918 DOVER, DE 19903 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.80% |
| L & W INSURANCE INC | PO BOX 918 DOVER, DE 19903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.99% |
| L & W INSURANCE INC3 | 1154 S GOVERNORS AVENUE DOVER, DE 19904 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.47% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 354 | $3.0M |
| Dental | AMERITAS | 838 | $152K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 838 | $190K |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 388 | $195K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 252 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $48K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.