| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFITS3 Filed as: CORE BENEFITS, INC. | 10319 DAWSON'S CREEK BLVD., STE. G FORT WAYNE, IN 46825 | GERBER LIFE INSURANCE COMPANY | $54K | — | $54K | 26.57% |
| CORE BENEFITS3 Filed as: CORE BENEFITS, INC. | 10319 DAWSON'S CREEK BLVD., STE. G FORT WAYNE, IN 46825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.86% |
| PRO-CLAIM PLUS INC3 Filed as: PRO CLAIM PLUS, INC. | 1700 MAGNAVOX WAY, STE. 202 FORT WAYNE, IN 46804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $745 | — | $745 | 0.84% |
| CORE BENEFITS3 Filed as: CORE BENEFITS, INC. | 10319 DAWSON'S CREEK BLVD., STE. G FORT WAYNE, IN 46825 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.43% |
| PRO-CLAIM PLUS INC3 Filed as: PRO CLAIM PLUS, INC. | 1700 MAGNOVOX WAY, STE. 202 FORT WAYNE, IN 46804 | PRINCIPAL LIFE INSURANCE COMPANY | $442 | — | $442 | 0.97% |
| CORE BENEFITS3 Filed as: CORE BENEFITS, INC. | 10319 DAWSON'S CREEK BLVD., STE. G FORT WAYNE, IN 46825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $989 | — | $989 | 10.41% |
| PRO-CLAIM PLUS INC3 Filed as: PRO CLAIM PLUS, INC. | 1700 MAGNAVOX WAY, STE. 202 FORT WAYNE, IN 46804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $198 | — | $198 | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORE BENEFITS, INC. EIN 30-0008210 NONE | Plan Administrator Service code 14 | 10319 DAWSON'S CREEK BLVD FORT WAYNE, IN 46825 | $59K |
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. |
| 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $89K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 187 | $46K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $9K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 141 | $204K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 189 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.