| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNK BENEFITS AND HR SOLUTIONS LLC3 Filed as: LYNK BENEFITS AND HR SOLUTIONS, LLC | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $7K | — | $7K | 5.67% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 N CLARK STREET CHICAGO, IL 60654 | TOKIO MARINE HCC | $4K | — | $4K | 10.00% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 Filed as: LYNK BENEFITS AND HR SOLUTIONS, LLC | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $1K | — | $1K | 5.78% |
| LYNN KITSON3 Filed as: LYNN KITSON (MATTEI) | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.00% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $506 | — | $506 | 2.60% |
| LYNN KITSON3 Filed as: LYNN KITSON (MATTEI) | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.90% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $447 | — | $447 | 2.58% |
| LYNN KITSON3 Filed as: LYNN KITSON (MATTEI) | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.95% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $239 | — | $239 | 2.63% |
| LYNN KITSON3 Filed as: LYNN KITSON (MATTEI) | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $618 | — | $618 | 12.00% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $138 | — | $138 | 2.68% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 Filed as: LYNK BENEFITS AND HR SOLUTIONS, LLC | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $195 | — | $195 | 5.73% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 Filed as: LYNK BENEFITS AND HR SOLUTIONS, LLC | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $35 | — | $35 | 1.59% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 Filed as: LYNK BENEFITS AND HR SOLUTIONS, LLC | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $26 | — | $26 | 5.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD. EIN 36-3381052 NONE | Claims processing Service code 12 | — | $60K |
| MESIROW INSURANCE SERVICES, INC. EIN 36-3429604 NONE | Insurance agents and brokers Service code 22 | — | $56K |
| CIGNA CORPORATION EIN 59-1031071 NONE | Other fees Service code 99 | — | $53K |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts) | PARAMOUNT DENTAL | 315 | $155K |
| Vision(5 contracts) | PARAMOUNT DENTAL | 315 | $155K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 275 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 276 | $19K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 207 | $366K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCC | 281 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.