| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| L & W INSURANCE AGENCY3 | 1154 SOUTH GOVERNORS AVE DOVER, DE 19901 | HIGHMARK DELAWARE | $14K | — | $14K | 1.90% |
| L & W INSURANCE INC3 | PO BOX 918 DOVER, DE 19903 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 6.56% |
| IFS BENEFITS LLC3 Filed as: IFS BENEFITS, LLC | 220 CONTINENTAL DRIVE STE 209 NEWARK, DE 197134312 | AMERITAS LIFE INSURANCE CORP. | -$603 | — | -$603 | -1.31% |
| L & W INSURANCE INC3 Filed as: L & W INSURANCE, INC | 1154 S GOVERNORS AVE DOVER, DE 19904 | DEARBORN NATIONAL LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 14.63% |
| L & W INSURANCE INC3 Filed as: L&W INSURANCE INC | PO BOX 918 DOVER, DE 199030918 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 10.49% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | HARTFORD LIFE AND ACCIDENT | -$50 | — | -$50 | -0.49% |
No Schedule C service providers reported on this filing.
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 146 | $734K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 138 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 170 | $10K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY OF NEW YORK | 26 | $16K |
| Other | HARTFORD LIFE AND ACCIDENT | 170 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.