| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMPLOYEE BENEFITS SOLUTI | 5880 VENTURE DR DUBLIN, OH 43017 | FIDELITY SECURITY LIFE | $6K | — | $6K | 1.50% |
| THOMAS STAEBLER3 Filed as: THOMAS H. STABLER | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | UNITED HEALTH CARE | $10K | — | $10K | 3.59% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TTH STREET PHOENIX, AZ 85018 | UNITED HEALTH CARE | $1K | — | $1K | 0.52% |
| APTA HEALTH5 | 11755 E. PEAKVIEW AVE. ENGLEWOOD, CO 80111 | MERITAIN HEALTH | $107K | — | $107K | 49.67% |
| STAEBLER GROUP3 | 575 COPELAND MILL RD WESTERVILLE, OH 43081 | MERITAIN HEALTH | $27K | — | $27K | 12.58% |
| KEY BENEFIT ADMINISTRATORS, INC3 Filed as: KEY BENEFIT ADMINISTRATORS, INC. | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | KEY BENEFIT ADMINISTRATORS, INC | $18K | — | $18K | 30.69% |
| THOMAS STAEBLER3 | 7303 RED BANK RD WESTERVILLE, OH 43082 | KEY BENEFIT ADMINISTRATORS, INC | $8K | — | $8K | 13.44% |
| AMERICAN HEALTH DATA INSTITUTE | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | KEY BENEFIT ADMINISTRATORS, INC | $7K | — | $7K | 12.05% |
| PHCS3 Filed as: MULTIPLAN | 115 5TH AVENUE 7TH FLOOR NEW YORK, NY 10003 | KEY BENEFIT ADMINISTRATORS, INC | $5K | — | $5K | 9.42% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP | 5110N. 40TH STREET PHOENIX, AZ 85018 | KEY BENEFIT ADMINISTRATORS, INC | $5K | — | $5K | 9.42% |
| RGI, LLC3 | 8330 ALLISON POINTETRAIL INDIANAPOLIS, IN 46250 | KEY BENEFIT ADMINISTRATORS, INC | $4K | — | $4K | 6.81% |
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 | 531 | 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) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 163 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.