| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 511 5TH STREET DEFIANCE, OH 43512 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $118K | $22K | $140K | 13.76% |
| TINA M DENNIS3 | 1218 WONDERLICK RD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $41K | $41K | 32.93% |
| OLIVIA R THOMPSON3 | 1218 WONDERLICK RD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $10K | $10K | 7.77% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $9K | $9K | 7.54% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $6K | $6K | 4.78% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $464 | $464 | 0.37% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $311 | $311 | 0.25% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AFLAC | $4K | — | $4K | 3.77% |
| NICK RYAN HURLEY3 | 0329 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $1K | — | $1K | 1.36% |
| MARC WRIGHT BENEFITS CONSULTING LLC3 | 131 W NORTH STREET LIMA, OH 45801 | AFLAC | $900 | — | $900 | 0.94% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $862 | $23 | $885 | 0.93% |
| AARON ANSPACH LLC3 Filed as: AARON M ANSPACH | 825 W MARKET ST STE 101 LIMA, OH 45805 | AFLAC | $630 | $20 | $650 | 0.68% |
| DANA HOBBS3 | 1221 WOOD HOLLOW DR APT 13104 HOUSTON, TX 77057 | AFLAC | $622 | — | $622 | 0.65% |
| DANIEL L JONES3 | 201 N MAIN STREET DELPHOS, OH 45833 | AFLAC | $376 | — | $376 | 0.39% |
| SUE A JONES3 | PO BOX 264 DELPHOS, OH 45833 | AFLAC | $359 | — | $359 | 0.38% |
| TINA M THOMPSON DENNIS3 | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $286 | $70 | $356 | 0.37% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD STE 500 WEST CHESTER, OH 45069 | AFLAC | $285 | $33 | $318 | 0.33% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $257 | — | $257 | 0.27% |
| MELISSA S SHNIDER3 Filed as: MELISSA SUE SHNIDER | 3000 WOLF CREEK WAY BURLINGTON, KY 41005 | AFLAC | $145 | $41 | $186 | 0.19% |
| OLIVIA R THOMPSON3 Filed as: OLIVIA THOMPSON | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $148 | $37 | $185 | 0.19% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R&L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $161 | — | $161 | 0.17% |
| LINDA SUE WRIGHT3 | PO BOX 129 BOAZ, AL 35957 | AFLAC | $126 | — | $126 | 0.13% |
| APRIL P KILLGORE3 | 417 THOREAU SPRING RD MADISON, AL 35758 | AFLAC | $120 | — | $120 | 0.13% |
| JOHN K CASEY3 | PO BOX 174 MADISON, AL 35758 | AFLAC | $103 | — | $103 | 0.11% |
| JOHN D ATKINS3 | 10706 HOGHE ROAD VAN WERT, OH 45891 | AFLAC | $101 | — | $101 | 0.11% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD WEST CHESTER, OH 45069 | AFLAC | $94 | — | $94 | 0.10% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $89 | — | $89 | 0.09% |
| MELISSA A BRINKER3 Filed as: MELISSA BRINKER | 11260 CHESTER RD STE 100 CINCINNATI, OH 45246 | AFLAC | $55 | $8 | $63 | 0.07% |
| KENNETH MCGUIRE3 | 171 CARLOS LANE LIMA, OH 45804 | AFLAC | $55 | — | $55 | 0.06% |
| MICKLEY CONSULTING LLC3 | 1103 SCHROCK RD STE 201 COLUMBUS, OH 43229 | AFLAC | $55 | — | $55 | 0.06% |
| MARK A WOJDA3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $50 | — | $50 | 0.05% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $30 | $8 | $38 | 0.04% |
| ALAN G NASH3 Filed as: ALAN GUY NASH | 1 OWL LANE FLORENCE, AL 35630 | AFLAC | $34 | — | $34 | 0.04% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $32 | — | $32 | 0.03% |
| CULLEN SMITH & ASSOCIATES INC3 Filed as: CULLEN SMITH & ASSOC INC | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $25 | — | $25 | 0.03% |
| ANTHONY JOSEPH MOTTER3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $21 | $4 | $25 | 0.03% |
| MICHAEL J QUINN3 | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $24 | — | $24 | 0.03% |
| RONALD E BLACKORBY3 | PO BOX 21187 COLUMBUS, OH 43221 | AFLAC | $22 | — | $22 | 0.02% |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DR CARMEL, IN 46033 | AFLAC | $16 | — | $16 | 0.02% |
| ROBERT P HARE3 | 470 OLD WORTHINGTON RD STE 250 WESTERVILLE, OH 43082 | AFLAC | $15 | — | $15 | 0.02% |
| NATHAN L HARRISON3 | 16024 MANCHESTER RD STE 200 ELLISVILLE, MO 63011 | AFLAC | $9 | — | $9 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF INDIANA INC | 11555 N MERIDIAN ST STE 220 NOBLESVILLE, IN 46060 | AFLAC | $9 | — | $9 | 0.01% |
| JOHN T CLANCY3 | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIAM R FULLER3 | PO BOX 4071 HUNTSVILLE, AL 35802 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN K CASEY3 | 143 WINDING CREEK RD NW MADISON, AL 35757 | AFLAC | $8 | — | $8 | 0.01% |
| GARY J SUEVER3 | PO BOX 225 DELPHOS, OH 45833 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $5 | — | $5 | 0.01% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $2 | — | $2 | 0.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH EVANS | 4721 BROOKVIEW DR WEST DES MOINES, IA 50265 | AFLAC | $2 | — | $2 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Other fees; Contract Administrator Service code 12 | — | $485K |
| COMMUNITY INSURANCE COMPANY 31-1440 | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $194K |
| FIRST INSURANCE GROUP OF THE MIDWES EIN 31-1440175 SERVICE PROVIDER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $105K |
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 | 658 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE CO, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 658 | $687K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 792 | $1.0M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 792 | $1.0M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 792 | $1.0M |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 792 | $1.2M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 792 | $1.0M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE CO, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 658 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.