Form 5500 · Employee benefit plan · WILMINGTON, DE
DELAWARE GUIDANCE SERVICES FOR CHILDREN & YOUTH, INC.
The filing calls this plan DELAWARE GUIDANCE SERVICES FOR CHILDREN AND YOUTH, INC. HEALTH AND WELFARE PLAN.
DELAWARE GUIDANCE SERVICES FOR CHILDREN & YOUTH, INC. of WILMINGTON, DE is a small health care and social assistance employer whose insured group plan is on public record in its Form 5500 filing. Its broker of record is PATRIOT GROWTH INSURANCE SERVICES L. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 51-0071906 · plan 505 · plan year 2025, filed Apr 16, 2026
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How this plan is funded
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering dental, vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 50 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $79,213, with $8,434 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
PATRIOT GROWTH INSURANCE SERVICES L is the broker of record on 5 of the 6 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Dental | 50 | Jul 1, 2025 | $43,472 | $4,347 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 67 | Jul 1, 2025 | $10,498 | $1,575 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 67 | Jul 1, 2025 | $10,534 | $1,053 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 11 | Jul 1, 2025 | $9,420 | $942 |
| VISION SERVICE PLAN | Vision | 57 | Jul 1, 2025 | $5,289 | $517 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 0 | Jul 1, 2025 | — | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule I
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
How this plan compares
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