| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS5 | 1975 TAMARACK ROAD NEWARK, OH 43055 | EAST COAST UNDERWRITERS | $776 | — | $776 | 0.07% |
| GREG STOCKSDALE3 | P.O. BOX 32 URBANA, OH 43078 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 7.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AHR MSA EWBP EIN 72-1372758 NONE | Other fees Service code 99 | — | $300K |
| BLASCAK INSURANCE SERVICES LLC EIN 47-1663993 NONE | Insurance agents and brokers Service code 22 | — | $109K |
| MEDICAL BENEFITS ADMINSTRATORS NONE | Insurance agents and brokers Service code 22 | 1975 TAMARACK ROAD NEWARK, OH 43055 | $99K |
| MEDICAL BENEFITS MUTUAL LIFE INS CO EIN 31-4210910 NONE | Plan Administrator Service code 14 | — | $7K |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 245 | $97K |
| Stop-loss / reinsurancereinsurance | EAST COAST UNDERWRITERS | 288 | $1.2M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 245 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.