| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 | 509 PROGRESS DRIVE, SUITE 117 LINRGICUM, MD 21090 | HCI LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.25% |
| EXPRESS LINK GENERAL AGENCY LLC3 Filed as: EXPRESS GENERAL AGENCY LLC | 4200 ROCKSIDE ROAD STE 103 SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.95% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.00% |
| MORRIS FINANCIAL GROUP3 | 272 PENN AVENUE SALEM, OH 44460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| EXPRESS LINK GENERAL AGENCY LLC3 Filed as: EXPRESS GENERAL AGENCY LLC | 4200 ROCKSIDE ROAD STE 103 CLEVELAND, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 | Other services; Claims processing Service code 12 | 300 CORPORATE PKWY AMHEARST, NY 14226 | $346K |
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 | 1,286 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $272K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 597 | $55K |
| Stop-loss / reinsurancereinsurance | HCI LIFE INSURANCE COMPANY | 1,194 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.