| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: MEDICAL BENEFIT ADMINISTRATORS INC | 1975 TAMARACK ROAD NEWARK, OH 43055 | THE NORTH RIVER INSURANCE CO | $79K | — | $79K | 3.00% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $117K | — | $117K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 1.27% |
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: MEDICAL BENEFITS ADMINISTRATORS INC | 1975 TAMARACK ROAD NEWARK, OH 43055 | HCCB | $53K | — | $53K | 11.11% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 8.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 3.00% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $46K | — | $46K | 12.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $13K | $13K | 3.29% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 3.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 2.95% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | — | $31K | 13.25% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $12K | $25K | 10.68% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 3.71% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 13.86% |
| THOMAS-FENNER-WOODS AGENCY INC3 | 1500 LAKESHORE DRIVE #400 COLUMBUS, OH 43204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $9K | $21K | 10.94% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURERS GROUP INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.68% |
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 | 2,944 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,898 | $833K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 292 | $363K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,800 | $1.5M |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE CO | 2,347 | $2.6M |
| Other(5 contracts, 2 carriers) | HCCB | 2,898 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,898 | — |
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.