| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION | $46K | — | $46K | 5.26% |
| THOMAS-FENNER-WOODS AGENCY INC3 Filed as: THOMAS FENNER WOODS AGENCY, INC. | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $67K | — | $67K | 8.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GRP LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 1.73% |
| JAMES E HARPER3 | 1500 LAKESHORE DR #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 0.57% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION | $47K | — | $47K | 11.11% |
| THOMAS-FENNER-WOODS AGENCY INC3 Filed as: THOMAS FENNER WOODS AGENCY, INC. | 1500 LAKESHORE DRIVE 3400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62K | — | $62K | 15.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GRP LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 3.17% |
| JAMES E HARPER3 | 1500 LAKESHORE DR #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.15% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 5.29% |
| JAMES E HARPER3 | 1500 LAKESHORE DR #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.45% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY INC | 109 PUTNAM ST MARIETTA, OH 45750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.48% |
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM STREET MARIETTA, OH 45750 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 10.00% |
| THOMAS-FENNER-WOODS AGENCY INC3 Filed as: THOMAS FENNER WOODS AGENCY, INC. | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GRP LLC | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.40% |
| JAMES E HARPER3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.15% |
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM STREET MARIETTA, OH 45750 | VISION SERVICE PLAN | $2K | — | $2K | 4.24% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP | 30 FEDERAL STREET, 4TH FL. BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $134 | $13K | 110.69% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS. & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 109.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $511K |
| QUALITY CARE PARTNERS EIN 31-1435470 CONTRACT | Other fees Service code 99 | — | $185K |
| MARIETTA PHO EIN 34-1898336 CONTRACT | Other fees Service code 99 | — | $40K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 CONTRACT | Other fees Service code 99 | — | $36K |
| MEDICAL BENEFITS MUTUAL EIN 31-4210910 CONTRACT | Other fees Service code 99 | — | $32K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $230K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,286 | $65K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,389 | $756K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $472K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,644 | $1.0M |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION | 2,286 | $865K |
| Other(5 contracts, 4 carriers) | NATIONAL UNION | 2,389 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,644 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.