| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS BENEFITS LLC3 Filed as: IFS BENEFITS, LLC | 220 CONTINENTAL DRIVE SUITE 209 NEWARK, DE 19713 | HIGHMARK OF DELAWARE | $486 | $0 | $486 | 0.68% |
| HM CENTERED HEALTH INC3 | 19 NORTH MAIN STREET WILKES-BARRE, PA 18711 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 15.46% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST, LLC | 200 CONTINENTAL DRIVE SUITE 305 NEWARK, DE 19713 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 10.68% |
| SUSAN M DAHMS3 | 18 COACH HILL COURT NEWARK, DE 19711 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.94% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK OF DELAWARE | 90 | $72K |
| Vision | HIGHMARK OF DELAWARE | 90 | $72K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 142 | $65K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 142 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.