| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNK BENEFITS AND HR SOLUTIONS LLC3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $7K | — | $7K | 5.69% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 N CLARK STREET CHICAGO, IL 60654 | HCC LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| LYNN KITSON3 | 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 | $486 | — | $486 | 2.60% |
| LYNN KITSON3 | 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 | $486 | — | $486 | 2.60% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $825 | — | $825 | 5.77% |
| LYNN KITSON3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.97% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $277 | — | $277 | 2.65% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $607 | — | $607 | 5.81% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $106 | — | $106 | 1.78% |
| LYNN KITSON3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $644 | — | $644 | 12.01% |
| MWG BROKER SERVICES3 | PO BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $144 | — | $144 | 2.69% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $77 | — | $77 | 5.87% |
| LYNK BENEFITS AND HR SOLUTIONS LLC3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $36 | — | $36 | 4.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD. EIN 36-3381052 NONE | Claims processing Service code 12 | — | $79K |
| MESIROW INSURANCE SERVICES, INC. EIN 36-3429604 NONE | Insurance agents and brokers Service code 22 | — | $71K |
| CIGNA CORPORATION EIN 59-1031071 NONE | Other fees Service code 99 | — | $39K |
| ONI RISK PARTNERS EIN 35-0902251 NONE | Insurance agents and brokers Service code 22 | — | $22K |
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 | 189 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts) | PARAMOUNT DENTAL | 138 | $153K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 245 | $19K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 196 | $432K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 296 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.