| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK RD. NEWARK, OH 43055 | HCC BENEFITS | $39K | — | $39K | 17.65% |
| MEDBEN MARKETING SERVICES3 | 1975 TAMARACK RD. NEWARK, OH 43055 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.67% |
| MEDBEN MARKETING SERVICES3 | 1975 TAMARACK RD. NEWARK, OH 43055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.47% |
| MEDBEN MARKETING SERVICES3 | 1975 TAMARACK RD. NEWARK, OH 43055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| MEDBEN MARKETING SERVICES3 | 1975 TAMARACK RD. NEWARK, OH 43055 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.24% |
| MEDBEN MARKETING SERVICES3 | 1975 TAMARACK RD. NEWARK, OH 43055 | STANDARD INSURANCE COMPANY | $611 | — | $611 | 6.40% |
| MEDBEN MARKETING SERVICES3 | 1975 TAMARACK RD. NEWARK, OH 43055 | STANDARD INSURANCE COMPANY | $543 | — | $543 | 6.00% |
| MEDBEN MARKETING SERVICES3 | 1975 TAMARACK RD. NEWARK, OH 43055 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $39K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 CONTRACT | Other fees Service code 99 | — | $9K |
| PAYER COMPASS EIN 46-2047081 CONTRACT | Other fees Service code 99 | — | $7K |
| MEDICAL BENEFITS MUTUAL EIN 31-4210910 CONTRACT | Other fees Service code 99 | — | $6K |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 184 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 66 | $9K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $31K |
| Stop-loss / reinsurancereinsurance | HCC BENEFITS | 125 | $218K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.