| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.14% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR SUITE 209 NEWARK, DE 19713 | AMERITAS LIFE INSURANCE CORP. | $7K | $693 | $8K | 10.98% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 12.80% |
| IFS BENEFITS LLC3 | 220 CONTINENTAL DR STE 209 NEWARK, DE 19713 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.02% |
| L & W INSURANCE INC3 Filed as: L&W INSURANCE INC | PO BOX 918 DOVER, DE 199030918 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | -0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IFS BENEFITS LLC INSUR AGENT OR BROKER | Insurance agents and brokers Service code 22 | 220 CONTINENTAL DRIVE NEWARK, DE 19713 | $46K |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 205 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 110 | $71K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 205 | $1.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 176 | $16K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 176 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.