| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYNN KITSON3 Filed as: LYNN KITSON LYNK BENEFITS | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $7K | $0 | $7K | 5.67% |
| LYNN KITSON3 | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 8.81% |
| NOAH ADAMS3 | ONI RISK PARTNERS DBA EPIC INSURANC 600 E 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.17% |
| MWG BROKER SERVICES5 | PO BOX 14067 JACKSON, MO 392364067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.62% |
| EPIC3 | — | HCC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| LYNN KITSON3 Filed as: LYNN KITSON LYNK BENEFITS | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $699 | $0 | $699 | 5.81% |
| LYNN KITSON3 Filed as: LYNN KITSON LYNK BENEFITS | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $493 | $0 | $493 | 5.69% |
| LYNN KITSON3 Filed as: LYNN KITSON LYNK BENEFITS | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $108 | $0 | $108 | 1.73% |
| LYNN KITSON3 Filed as: LYNN KITSON LYNK BENEFITS | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $112 | $0 | $112 | 5.96% |
| LYNN KITSON3 Filed as: LYNN KITSON LYNK BENEFITS | 58053 CRYSTAL SPRINGS DR GOSHEN, IN 46528 | PARAMOUNT DENTAL | $36 | $0 | $36 | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP ADMINISTRATORS, LTD EIN 36-3381052 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | 20 N MARTINGALE STE 290 SCHAUMBURG, IL 60173 | $71K |
| ONI RISK PARTNERS DBA EPIC INSURANC EIN 35-0902251 BROKER | Insurance agents and brokers Service code 22 | 600 E 96TH ST INDIANAPOLIS, IN 46240 | $57K |
| CIGNA EIN 59-1031071 PPO NETWORK | Other fees Service code 99 | 20 N MARTINGALE STE 290 SCHAUMBURG, IL 60173 | $47K |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts) | PARAMOUNT DENTAL | 132 | $147K |
| Vision(6 contracts) | PARAMOUNT DENTAL | 132 | $147K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $54K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 203 | $475K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
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.