| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK BLVD NEWARK, OH 43055 | SUN LIFE | $62K | — | $62K | 11.36% |
| STAEBLER GROUP3 | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | SUN LIFE | $28K | — | $28K | 5.11% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMPLOYEE BENEFITS SOLUTI | 5880 VENTURE DR DUBLIN, OH 43017 | FIDELITY SECURITY LIFE | $56K | — | $56K | 15.00% |
| THOMAS STAEBLER3 Filed as: THOMAS H STAEBLER | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | AETNA | $6K | — | $6K | 2.33% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET PHOENIX, AZ 85018 | AETNA | $3K | — | $3K | 1.11% |
| THOMAS STAEBLER3 Filed as: THOMAS H. STABLER | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | UNITED HEALTH CARE | $3K | — | $3K | 4.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TTH STREET PHOENIX, AZ 85018 | UNITED HEALTH CARE | $434 | — | $434 | 0.52% |
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 | 476 | 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) | 476 | 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.