| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 1.82% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.93% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $9K | $40K | 19.36% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INSURANCE GROUP | 1115 TAYLOR ROAD N SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.29% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 19.41% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $386 | $10K | 15.61% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $11K | 19.48% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $719 | $2K | $3K | 6.58% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.39% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.42% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.27% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INSURANCE GROUP | 1115 TAYLOR AVENUE N SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.42% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $714 | $3K | 19.67% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $947 | $0 | $947 | 15.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INSURANCE GROUP | 1115 TAYLOR AVENUE N SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $273 | $273 | 4.32% |
| EMPLOYEE BENEFIT MANAGEMENT CORP3 | 4789 RINGS ROAD DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIE INSURANCE COMPANY | $654 | $194 | $848 | 19.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IOA RE EIN 23-2589410 STOP LOSS CARRIER | Insurance services Service code 23 | — | $807K |
| EBMC EIN 31-0747539 CONTRACT ADMINISTRATOR | Insurance brokerage commissions and fees; Contract Administrator; Other fees Service code 13 | — | $735K |
| ACMS EIN 31-1130893 UTILIZATION REVIEW | Plan Administrator Service code 14 | — | $425K |
| CIGNA EIN 59-1031071 PPO FEES | Other fees Service code 99 | — | $407K |
| INTERNAL REVENUE SERVICE EIN 99-9663335 ACA REINSURANCE FEES | Other fees Service code 99 | — | $204K |
| PREMIER HEALTHCARE EXCHANGE PHX EIN 86-1040704 PPO NETWORK | Claims processing Service code 12 | — | $183K |
| MAGELLAN EIN 86-1042036 RX ADMINISTRATION | Contract Administrator Service code 13 | — | $140K |
| BAKER & HOSTETLER EIN 34-0082025 LEGAL SERVICES | Legal Service code 29 | — | $127K |
| HIRTH NORRIS & GARRISON EIN 31-1158488 AUDITOR | Accounting (including auditing) Service code 10 | — | $43K |
| MEEDER & ASSOCIATES EIN 31-0841498 INVESTMENT ADVISORY | Investment advisory (plan) Service code 27 | — | $17K |
| OHIO DEPARTMENT OF INSURANCE EIN 31-6402047 AUDITING-FEES | Accounting (including auditing) Service code 10 | — | $16K |
| THOMAS FENNER WOODS AGENCY EIN 31-0669684 FIDUCIARY INSURANCE | Insurance agents and brokers Service code 22 | — | $7K |
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 | 2,025 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 982 | $297K |
| Life insurance(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,450 | $1.2M |
| Long-term disability(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,500 | $534K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,450 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,500 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.