| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS INSURANCE AGENCY INC3 | 501 CARR RD, STE 301 SUITE 900 WILMINGTON, DE 198092866 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.59% |
| ENROLLEASE3 Filed as: ONEDIGITAL PREMIER SERVICES, LLC | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 282115588 | PRINCIPAL LIFE INSURANCE COMPANY | $125 | $0 | $125 | 0.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $62K |
| HIGHMARK OF DELAWARE EIN 51-0020405 ADMIN | Claims processing Service code 12 | — | $22K |
| LYONS INSURANCE AGENCY, INC. EIN 51-0276731 BROKER | Insurance agents and brokers Service code 22 | — | $19K |
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 | 47 | 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) | 47 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 72 | $30K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 72 | $30K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 42 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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.