| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43056 | MEDICAL STOP LOSS COVERAGE HCC BENEFITS | $38K | — | $38K | 17.65% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS OF OHIO | 720 EAST PETE ROSE WAY SUITE 400 CINCINNATI, OH 452023576 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 18.53% |
| MEDICAL BENEFITS ADMINISTRATORS3 | 1975 TAMARACK ROAD NEWARK, OH 43058 | NATIONAL UNION ORGAN TRANSPLANT RIDER | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 | Plan Administrator Service code 14 | — | $74K |
| OHIO HEALTH CHOICE PLAN EIN 34-1381358 | Other fees Service code 99 | — | $29K |
| MEDICAL BENEFITS MUTUAL EIN 31-4210910 | Plan Administrator Service code 14 | — | $19K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 | Other fees Service code 99 | — | $11K |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $53K |
| Stop-loss / reinsurancereinsurance | MEDICAL STOP LOSS COVERAGE HCC BENEFITS | 219 | $213K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.