| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: MEDICAL BENEFIT ADMINISTRATORS | 1975 TAMARACK ROAD NEWARK, OH 43055 | HCCB | $71K | — | $71K | 5.26% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100K | — | $100K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 1.48% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63K | — | $63K | 13.36% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 3.68% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, AL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.64% |
| MEDICAL BENEFITS ADMINISTRATORS3 | 1975 TAMARACK ROAD NEWARK, OH 43055 | HCCB | $51K | — | $51K | 11.11% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 3.67% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 3.04% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111K | — | $111K | 41.05% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $15K | $62K | 23.08% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | — | $64K | 43.79% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $8K | $35K | 24.29% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.77% |
| SPRING INSURANCE GROUP LLC3 | 30 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.74% |
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 | 2,918 | 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) | 2,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISIONPLUS OF AMERICA | 2,359 | $34K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,725 | $793K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $369K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,023 | $1.2M |
| Stop-loss / reinsurancereinsurance | HCCB | 2,359 | $1.4M |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,725 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,023 | — |
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.