| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INS AGENCY INC | 501 CARR RD STE 301 WILMINGTON, NJ 198092866 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $23 | $24K | 7.89% |
| L & W INSURANCE INC3 Filed as: L & W INS INC | P.O. BOX 918 DOVER, DE 19903 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.73% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS CO | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $404 | $0 | $404 | 0.13% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $260 | $31 | $291 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LYONS INSURANCE AGENCY INC. EIN 51-0276731 BROKER | Insurance agents and brokers Service code 22 | — | $75K |
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $52K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $48K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $16K |
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 | 242 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $301K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $301K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $301K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $301K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 242 | $847K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 700 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
No prospect flags tripped on this filing.