| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | AMERITAS | $1K | $131 | $1K | 11.06% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $362 | $2K | 16.78% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $310 | $310 | 3.24% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $283 | $204 | $487 | 8.61% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $175 | $175 | 3.09% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $112 | $48 | $160 | 14.22% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $41 | $41 | 3.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $26K |
| IFS BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 220 CONTINENTAL DRIVE, SUITE 209 NEWARK, DE 19713 | $18K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $11K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
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 | 45 | 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) | 45 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 24 | $12K |
| Vision | AMERITAS | 24 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $6K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 39 | $148K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45 | — |
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.