| 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 | $134K | $20K | $153K | 13.36% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 511 FIFTH ST DEFIANCE, OH 43512 | COMMUNITY INSURANCE CO, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | $9K | — | $9K | 1.08% |
| TINA M DENNIS3 | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | — | $36K | 19.84% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 5.15% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.88% |
| OLIVIA R THOMPSON3 | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $457 | — | $457 | 0.25% |
| TARA D CASCIOLI3 | 505 N WESTMINSTER ST WAYNESFIELD, OH 45896 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.02% |
| GARY E SADLER3 | 4244 SCHOOLE RD CRIDERSVILLE, OH 45806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.02% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| MICHAEL C HURLEY3 Filed as: MICHAEL HURLEY | 7484 STATE ROUTE 195 ALGER, OH 45812 | AFLAC | $1K | — | $1K | 3.70% |
| NICK RYAN HURLEY3 | 0329 COUNTY ROAD 80 ALGER, OH 45812 | AFLAC | $496 | — | $496 | 1.24% |
| CHAD L NELSON3 Filed as: CHAD POLLOCK | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $337 | — | $337 | 0.84% |
| MARC WRIGHT BENEFITS CONSULTING LLC3 | 131 W NORTH STREET LIMA, OH 45801 | AFLAC | $336 | — | $336 | 0.84% |
| DANA HOBBS3 | 1221 WOOD HOLLOW DR APT 13104 HOUSTON, TX 77057 | AFLAC | $331 | — | $331 | 0.83% |
| AARON ANSPACH LLC3 Filed as: AARON ANSPACH | 21397 LEHMAN ROAD DELPHOS, OH 45833 | AFLAC | $285 | — | $285 | 0.71% |
| DANIEL L JONES3 | 201 N MAIN STREET DELPHOS, OH 45833 | AFLAC | $153 | — | $153 | 0.38% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD STE 500 WEST CHESTER, OH 45069 | AFLAC | $148 | — | $148 | 0.37% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $134 | — | $134 | 0.34% |
| SUE A JONES3 | PO BOX 264 DELPHOS, OH 45833 | AFLAC | $113 | — | $113 | 0.28% |
| TINA M THOMPSON DENNIS3 | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $101 | — | $101 | 0.25% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R&L SUPPLEMENTAL BENEFITS INC | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $80 | — | $80 | 0.20% |
| APRIL P KILLGORE3 | 324 STONEHAM WAU MADISON, AL 35758 | AFLAC | $74 | — | $74 | 0.19% |
| MELISSA S SHNIDER3 Filed as: MELISSA SUE SHNIDER | 3000 WOLF CREEK WAY BURLINGTON, KY 41005 | AFLAC | $58 | — | $58 | 0.15% |
| JOHN K CASEY3 | PO BOX 174 MADISON, AL 35758 | AFLAC | $44 | — | $44 | 0.11% |
| IAN B BRANYON3 | 209 N MAIN ST STE 8 LIMA, OH 45801 | AFLAC | $35 | — | $35 | 0.09% |
| MELISS A BRINKER3 | 11260 CHESTER RD STE 100 CINCINNATI, OH 45246 | AFLAC | $31 | — | $31 | 0.08% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | AFLAC | $27 | — | $27 | 0.07% |
| KENNETH MCGUIRE3 | 171 CARLOS LN LIMA, OH 45804 | AFLAC | $25 | — | $25 | 0.06% |
| OLIVIA R THOMPSON3 Filed as: OLIVIA THOMPSON | 1218 WONDERLICK RD LIMA, OH 45805 | AFLAC | $24 | — | $24 | 0.06% |
| MICKLEY CONSULTING LLC3 | 1103 SCHROCK RD STE 201 COLUMBUS, OH 43229 | AFLAC | $23 | — | $23 | 0.06% |
| JOHN D ATKINS3 Filed as: JOHN ATKINS | 10706 HOGHE RD VAN WERT, OH 45891 | AFLAC | $23 | — | $23 | 0.06% |
| QUINN, MEYER & ASSOCIATES3 Filed as: QUINN MEYER & ASSOCIATES | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $20 | — | $20 | 0.05% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $19 | — | $19 | 0.05% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $15 | — | $15 | 0.04% |
| CHRISTOPHER D BOULDREY3 | PO BOX 602 CONCORD, MI 49237 | AFLAC | $15 | — | $15 | 0.04% |
| WILLIAM M HURLEY3 Filed as: WILLIAM H ROERTS | 3749 SACHEM AVE CINCINNATI, OH 45226 | AFLAC | $13 | — | $13 | 0.03% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J MOTTER | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | AFLAC | $13 | — | $13 | 0.03% |
| RONALD BLACKORBY3 | 109 HOLLOW AVE JERSEYVILLE, IL 62052 | AFLAC | $12 | — | $12 | 0.03% |
| INGER M PENNINGTON3 Filed as: INGER PENNINGTON | 7179 HONEYWOOD CT CINCINNATI, OH 45230 | AFLAC | $12 | — | $12 | 0.03% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $12 | — | $12 | 0.03% |
| ALAN G NASH3 Filed as: ALAN GUY NASH | 1 OWL LN FLORENCE, AL 35630 | AFLAC | $10 | — | $10 | 0.03% |
| MICHAEL J QUINN3 | 8580 MAJORCA LN NAPLES, FL 34114 | AFLAC | $10 | — | $10 | 0.03% |
| KANDACE M MCCARTHY3 | 304 CANTERFIELD PKWY PO BOX 1047 WEST DUNDEE, IL 60118 | AFLAC | $9 | — | $9 | 0.02% |
| ROBERT P HARE3 | 6324 TARTON FIELDS LN MASON, OH 45040 | AFLAC | $6 | — | $6 | 0.02% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.02% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $5 | — | $5 | 0.01% |
| CULLEN SMITH & ASSOCIATES INC3 | 3205 QUIET TREE GRV OLD HICKORY, TN 37138 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20301 GRD OAK SH BLVD 118-32 ESTERO, FL 33928 | AFLAC | $3 | — | $3 | 0.01% |
| MARK R DECKARD3 | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | AFLAC | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 THIRD PARTY ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services; Claims processing; Float revenue Service code 12 | — | $492K |
| COMMUNITY INSURANCE COMPANY 31-1440 | Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $313K |
| FIRST INSURANCE GROUP OF THE MIDWES EIN 31-1440175 SERVICE PROVIDER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $100K |
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 | 682 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 682 | 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 | 682 | $827K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 832 | $1.1M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 832 | $1.1M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 832 | $1.1M |
| Short-term disability(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 832 | $1.4M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 832 | $1.1M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE CO, DBA ANTHEM BLUE CROSS AND BLUE SHIELD | 682 | $827K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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.