| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAEBLER GROUP3 | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | SUN LIFE | $46K | — | $46K | 11.76% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK BLVD NEWARK, OH 43055 | SUN LIFE | $2K | — | $2K | 0.59% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMPLOYEE BENEFITS SOLUTI | 5880 VENTURE DR DUBLIN, OH 43017 | FIDELITY SECURITY LIFE | $49K | — | $49K | 15.00% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | KEY BENEFIT ADMINISTRATORS, INC | $15K | — | $15K | 164.08% |
| THOMAS STAEBLER3 | 7303 RED BANK RD WESTERVILLE, OH 43082 | KEY BENEFIT ADMINISTRATORS, INC | $7K | — | $7K | 74.47% |
| PHCS3 Filed as: MULTIPLAN | 115 5TH AVENUE 7TH FLOOR NEW YORK, NY 10003 | KEY BENEFIT ADMINISTRATORS, INC | $5K | — | $5K | 50.02% |
| RGI, LLC3 | 8330 ALLISON POINTETRAIL INDIANAPOLIS, IN 46250 | KEY BENEFIT ADMINISTRATORS, INC | $3K | — | $3K | 37.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $35K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 CONTRACT | Other fees Service code 99 | — | $25K |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
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.