| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L & W INSURANCE INC3 | 1154 S GOVERNORS AVENUE DOVER, DE 19904 | AETNA | $120K | — | $120K | 4.57% |
| L & W INSURANCE INC3 | 1154 S GOVERNORS AVENUE DOVER, DE 19901 | DOMINION NATIONAL | $7K | — | $7K | 5.42% |
| L & W INSURANCE INC3 | 1154 S GOVERNORS AVENUE DOVER, DE 19901 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.39% |
| L & W INSURANCE INC3 | 1154 S GOVERNORS AVENUE DOVER, DE 19901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.59% |
| L & W INSURANCE INC3 Filed as: L & W INSURANCE INC. | 1154 S GOVERNORS AVENUE DOVER, DE 19901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.03% |
| L & W INSURANCE INC3 | 1154 S GOVERNORS AVENUE DOVER, DE 19904 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.71% |
| WILLIAM J STRICKLAND3 | P.O. BOX 918 DOVER, DE 199030918 | PRINCIPAL LIFE INSURANCE COMPANY | $292 | — | $292 | 1.04% |
| L & W INSURANCE INC3 Filed as: L & W INSURANCE INC. | 1154 S GOVERNORS AVENUE DOVER, DE 19901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $556 | — | $556 | 2.19% |
| L & W INSURANCE INC3 Filed as: L & W INSURANCE INC. | 1154 S GOVERNORS AVENUE DOVER, DE 19901 | METROPOLITAN LIFE INSURANCE COMPANY | $739 | — | $739 | 6.32% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 284 | $2.6M |
| Dental | DOMINION NATIONAL | 295 | $132K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 469 | $28K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $182K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 238 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $53K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.