| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $91K | $91K | 2.65% |
| MAGIS ADVISORY GROUP LLC3 Filed as: MAGIS ADVISORY GROUP, LLC | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | BIND BENEFITS, INC. DBA SUREST | — | $18K | $18K | 3.09% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | DELTA DENTAL OF OHIO | $5K | — | $5K | 2.94% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $921 | $11K | 16.33% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $745 | $745 | 1.07% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $860 | $11K | 16.32% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $698 | $698 | 1.07% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $824 | $10K | 16.35% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $668 | $668 | 1.09% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $395 | $6K | 16.10% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $323 | $323 | 0.90% |
| MAGIS ADVISORY GROUP LLC3 | 36711 AMERICAN WAY STE 2F AVON, OH 44011 | VISION SERVICE PLAN | $2K | — | $2K | 4.37% |
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 | 440 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 528 | $4.0M |
| Dental | DELTA DENTAL OF OHIO | 620 | $176K |
| Vision | VISION SERVICE PLAN | 310 | $35K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 426 | $65K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.