Dragonfly has: wings, larval stage
Beetle has: wings, foldable wings, larval stage
Bee has: wings, foldable wings, larval stage, stinger
Dragonflies spend most of their time in their aquatic larval stage. They do not have the ability to fold their wings during resting.
Beetles' wing covers the abdomen and they too have larval stage.
Bee has all the characteristics given during their development.