| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | HCC BENEFITS | $26K | — | $26K | 11.14% |
| JAMES R GIBBS3 | P.O. BOX 727 HILLSBORO, OH 451330727 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.28% |
| MEDBEN MARKETING SERVICES3 Filed as: MEDBEN MARKETING SERVICES INC. | P.O. BOX 1009 NEWARK, OH 43058 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.46% |
| JAMES R GIBBS3 | P.O. BOX 727 HILLSBORO, OH 451330727 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.39% |
| JAMES R GIBBS3 | P.O. BOX 727 HILLSBORO, OH 451330727 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| JAMES R GIBBS3 Filed as: JAMES R. GIBBS | P.O. BOX 727 HILLSBORO, OH 451330727 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| MEDBEN MARKETING SERVICES3 Filed as: MEDBEN MARKETING SERVICES INC. | 1975 TAMARACK RD NEWARK, OH 43058 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MEDBEN MARKETING SERVICES3 Filed as: MEDBEN MARKETING SERVICES INC. | 1975 TAMARACK RD NEWARK, OH 43058 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $836 | — | $836 | 12.67% |
| MEDBEN MARKETING SERVICES3 Filed as: MEDBEN MARKETING SERVICES INC. | 1975 TAMARACK RD NEWARK, OH 43058 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614 | — | $614 | 13.30% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $56K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $16K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 129 | $31K |
| Stop-loss / reinsurancereinsurance | HCC BENEFITS | 118 | $238K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.