| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L & W INSURANCE INC3 Filed as: L & W INS. INC. | PO BOX 918 DOVER, DE 199030918 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.25% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY INC | 501 CARR RD STE 301 WILMINGTON, DE 198092866 | METROPOLITAN LIFE INSURANCE COMPANY | $754 | $0 | $754 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $107K |
| LYONS INSURANCE AGENCY INC. BROKER | Insurance agents and brokers Service code 22 | 1 RIGHTER PKWY #110 WILMINGTON, DE 19803 | $69K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $34K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $11K |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 520 | $177K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 520 | $177K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 520 | $177K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 520 | $177K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 243 | $538K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 520 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.