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| Provider | Services | Address | Compensation |
|---|---|---|---|
| IFS BENEFITS, LLC, A DIVISION OF AS EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| HIGHMARK OF DELAWARE EIN 51-0020405 CARRIER | Claims processing Service code 12 | — | $10K |
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 | 53 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 53 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $130K |
| Vision | VISION SERVICE PLAN | 53 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $130K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $130K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $130K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 49 | $590K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.