| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 601 CLINTON ST DEFIANCE, OH 43512 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $152K | $18K | $170K | 13.25% |
| TINA M DENNIS3 | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41K | — | $41K | 11.97% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.84% |
| TJH CONSULTANTS LLC | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.36% |
| THOMAS J HOUSER Filed as: THOMAS HOUSER | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.81% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $942 | — | $942 | 0.28% |
| DAVID N MULLINS JR Filed as: DAVID MULLINS JR | 1437 ROYALTON RD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $927 | — | $927 | 0.27% |
| JAMES LOCKWOOD3 | 134 W SOUTH BOUNDARY ST STE A PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | 0.07% |
| OLIVIA R THOMPSON3 | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | — | $198 | 0.06% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.04% |
| BENJAMIN D WISE Filed as: BENJAMIN WISE | 132 E 2ND ST VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.01% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $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.); Other fees; Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $564K |
| FIRST INSURANCE GROUP OF THE MIDWES EIN 34-0940616 FEES PAID | Insurance agents and brokers; Insurance brokerage commissions and fees; Non-monetary compensation; Other commissions Service code 22 | — | $0 |
| INGENIO RX, INC. EIN 82-3062245 RX DRUG REBATES, FEES | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $0 |
| CARELONRX, INC EIN 82-3062245 THIRD PARTY ADMINISTRATOR | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | -$42K |
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 | 834 | 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) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,112 | $1.3M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,112 | $1.3M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,112 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,112 | $1.6M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,112 | $1.3M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY (G1728) | 856 | $118 |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 834 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,112 | — |
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.