| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM STREET MARIETTA, OH 45750 | HARTFORD LIFE AND ACCIDENT | $75K | $0 | $75K | 10.00% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION | $37K | — | $37K | 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 | $39K | $0 | $39K | 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 | $0 | $16K | $16K | 3.29% |
| 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 | $65K | $0 | $65K | 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 | $0 | $15K | $15K | 3.39% |
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION | $42K | — | $42K | 11.11% |
| 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 | $15K | $0 | $15K | 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 | $0 | $6K | $6K | 3.35% |
| SPRING INSURANCE GROUP LLC3 Filed as: SPRING INSURANCE GROUP | 30 FEDERAL STREET, 4TH FL. BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 33.81% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS. & BENEFITS GROUP LLC | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 33.81% |
| SCHWENDEMAN AGENCY, INC.3 | 109 PUTNAM STREET MARIETTA, OH 45750 | VISION SERVICE PLAN | $2K | — | $2K | 4.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $470K |
| QUALITY CARE PARENTERS EIN 31-1435740 CONTRACT | Other fees Service code 99 | — | $168K |
| MARIETTA PPO EIN 34-1898336 CONTRACT | Other fees Service code 99 | — | $36K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 CONTRACT | Other fees Service code 99 | — | $32K |
| MEDICAL BENEFITS MUTUAL EIN 31-4210910 CONTRACT | Other fees Service code 99 | — | $31K |
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 | 2,226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 228 | $34K |
| Life insurance(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,226 | $1.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,226 | $482K |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION | 2,079 | $708K |
| Other | NATIONAL UNION | 2,079 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.