| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 901 MARQUETTE AVE., SUITE 1800 MINNEAPOLIS, MN 55402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $77K | — | $77K | 5.63% |
| RSC INSURANCE BROKERAGE INC3 | 601 CLINTON ST DEFIANCE, OH 43512 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 4.22% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 532263286 | RELIASTAR LIFE INSURANCE COMPANY | — | $37K | $37K | 3.31% |
| TINA M DENNIS3 | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54K | — | $54K | 14.11% |
| TJH CONSULTANTS LLC3 | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 2.11% |
| AARON ANSPACH LLC3 | 21397 LEHMAN ROAD DELPHOS, OH 45833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.67% |
| BENJAMIN D WISE3 Filed as: BENJAMIN WISE | 132 E 2ND ST VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.49% |
| THOMAS J HOUSER3 Filed as: THOMAS HOUSER | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.57% |
| DAVID N MULLINS JR3 Filed as: DAVID MULLINS JR | 1437 ROYALTON RD TOLEDO, OH 43612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $954 | — | $954 | 0.25% |
| KRISTEN D PRESTON3 | 6745 COUNTY ROAD 45 ALGER, OH 45812 | CONTINENTAL AMERICAN INSURANCE COMPANY | $877 | — | $877 | 0.23% |
| CHAD A POLLOCK3 | 1106 LINDEN DRIVE VAN WERT, OH 45891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $801 | — | $801 | 0.21% |
| TINA M THOMPSON DENNIS3 Filed as: TINA M THOMPSONDENNIS | 205 EDENS OAKS CT SIX MILE, SC 29682 | CONTINENTAL AMERICAN INSURANCE COMPANY | $434 | — | $434 | 0.11% |
| OLIVIA R THOMPSON3 | 1218 WONDERLICK ROAD LIMA, OH 45805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 0.04% |
| ANTHONY JOSEPH MOTTER3 Filed as: ANTHONY J MOTTER | 2268 MCKINLEY DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| GARY E SADLER3 | 4244 SCHOOLER RD CRIDERSVILLE, OH 45806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.00% |
No Schedule C service providers reported on this filing.
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 | 865 | 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) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.4M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.4M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.8M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,050 | $1.4M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 865 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.