| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS5 Filed as: MEDICAL BENEFITS MUTUAL LIFE INS CO | 1975 TAMARACK STREET NEWARK, OH 43055 | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO | $238K | — | $238K | 23.83% |
| RANKIN & RANKIN3 | 806 MARKET STREET PO BOX 2547 ZANESVILLE, OH 43701 | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO | $15K | — | $15K | 1.54% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFITS SVC AGCY INC | PO BOX 868 DELAWARE, OH 43015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $58K | $30K | $88K | 24.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $95K |
| QUALITY CARE PARTNERS EIN 31-1435470 CONTRACT | Other fees Service code 99 | — | $68K |
| RANKIN & RANKIN EIN 31-4287570 BROKER | Insurance agents and brokers Service code 22 | — | $55K |
| MEDICAL BENEFITS MUTUAL LIFE IN CO EIN 31-4210910 CONTRACT | Plan Administrator Service code 14 | — | $4K |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO | 313 | $997K |
| Dental | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO | 313 | $997K |
| Vision | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO | 313 | $997K |
| Life insurance(2 contracts, 2 carriers) | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO | 480 | $1.4M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $360K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $360K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | MEDICAL BENEFITS MUTUAL LIFE INSURANCE CO | 313 | $997K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.