| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DR #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112K | — | $112K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 1.60% |
| MEDICAL BENEFITS ADMINISTRATORS3 | 1975 TAMARACK ROAD NEWARK, OH 43055 | AIG | $482K | — | $482K | 39.64% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DR #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $71K | — | $71K | 15.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 4.76% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 4.68% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY INC | 109 PUTNAM ST MARIETTA, OH 45750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.11% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DR #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.43% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL ST 4TH FL BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1 | $12K | 8.67% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON RD MISHAWAKA, IN 46544 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 8.67% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY INC | 109 PUTNAM ST MARIETTA, OH 45750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.53% |
| MEDICAL BENEFITS ADMINISTRATORS3 | 1975 TAMARACK ROAD NEWARK, OH 43055 | AIG | $54K | — | $54K | 83.68% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN AGENCY INC. | 109 PUTNAM ST MARIETTA, OH 45750 | VISION SERVICE PLAN | $2K | — | $2K | 3.94% |
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 | 2,833 | 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) | 2,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 248 | $395K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,463 | $77K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,506 | $729K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $366K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,771 | $1.4M |
| Stop-loss / reinsurancereinsurance | AIG | 2,463 | $1.2M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,506 | $927K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,771 | — |
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.