| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE E CLEVELAND, OH 44114 | DELTA DENTAL OF OHIO | $14K | $0 | $14K | 2.79% |
| SHAWN J KEELER3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | $0 | $19K | 12.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 40948 INDIANAPOLIS, IN 462400948 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.86% |
| GARY MOSELEY3 Filed as: GARY L. MOSELEY | 7415 PORT ROYALE AVENUE RUSSELLS POINT, OH 43348 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.94% |
| SHAWN L MOSELEY3 Filed as: SHAWN L. MOSELEY | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.68% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.66% |
| GAYLE A. DENNIS3 | 142 PAINE ST DELAWARE, OH 43015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $832 | $0 | $832 | 0.55% |
| JACK L SHORT3 | 177 PATTI DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $737 | $0 | $737 | 0.49% |
| JOSEPH E TROIANO3 Filed as: JOSEPH E. TROIANO | 1242 CANDORA ST BLACKLICK, OH 43004 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $192 | $0 | $192 | 0.13% |
| RALPH H KEELER3 Filed as: RALPH KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - DUBLIN | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.83% |
| GARY MOSELEY3 Filed as: GARY L MOSLEY | 7415 PORT ROYALE AVENUE RUSSELS POINT, OH 43348 | ASSURITY LIFE INSURANCE | $19K | $0 | $19K | 22.05% |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 2,140,101 | $239K |
| Dental | DELTA DENTAL OF OHIO | 0 | $485K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,764 | $118K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 528 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,140,101 | — |
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.