| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: MEDICAL BENEFIT ADMINISTRATORS | 1975 TAMARACK ROAD NEWARK, OH 43055 | US FIRE/CRUM & FORSTER | $66K | — | $66K | 5.26% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91K | — | $91K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $23K | $23K | 1.98% |
| MEDICAL BENEFITS ADMINISTRATORS3 | 1975 TAMARACK ROAD NEWARK, OH 43055 | NATIONAL UNION | $49K | — | $49K | 11.11% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $52K | — | $52K | 12.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $21K | $21K | 4.98% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, AL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 3.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 4.22% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $80K | — | $80K | 27.43% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $14K | $49K | 16.70% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 3.85% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 5.90% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 23.90% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $10K | $31K | 14.88% |
| KEYSTONE INS & BNFTS GRP LLC3 | 13800 JACKSON ROAD #400 MISHAWAKA, IN 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.64% |
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 | 3,051 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISIONPLUS OF AMERICA | 2,302 | $35K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,706 | $677K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 282 | $393K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,003 | $1.1M |
| Stop-loss / reinsurancereinsurance | US FIRE/CRUM & FORSTER | 2,302 | $1.3M |
| Other(5 contracts, 2 carriers) | NATIONAL UNION | 2,706 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,003 | — |
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.