| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE ADVISORY GROUP OF INDIANA Filed as: PINNACLE ADVISORY GROUP | 349 WALNUT ST LAWRENCEBURG, IN 47025 | SUNLIFE | $48K | — | $48K | 19.60% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 349 WALNUT ST LAWRENCEBURG, IN 47025 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $483 | $6K | 21.82% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 349 WALNUT ST LAWRENCEBURG, IN 47025 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $4K | $385 | $5K | 21.80% |
| PINNACLE ADVISORY GROUP OF INDIANA3 Filed as: PINNACLE ADVISORY GROUP | 349 WALNUT ST LAWRENCEBURG, IN 47025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $176 | $2K | 21.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $48K |
| OHIO HEALTH CHOICE EIN 34-1381358 CONTRACT | Other fees Service code 99 | — | $9K |
| MEDICAL BENEFITS MUTUAL LIFE INS CO EIN 31-4210910 CONTRACT | Plan Administrator Service code 14 | — | $4K |
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 | 91 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 91 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 91 | $21K |
| Stop-loss / reinsurancereinsurance | SUNLIFE | 99 | $245K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.