| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP - OHIO LLC | 7862 KINGLAND DRIVE-STE 100 WEST CHESTER, OH 46069 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.89% |
| KRISTEN D PRESTON3 Filed as: KRISTEN DEEANNA PRESTON | 6745 COUNTY ROAD 45 ALGER, OH 45812 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.49% |
| TINA M DENNIS3 Filed as: TINA MARIE THOMPSON | 1218 WONDERLICK ROAD LIMA, OH 45805 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PARK CENTRAL 7/ 12750 MERIT DRIVE SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $787 | $6K | 5.73% |
| ENROLLEASE3 | 660 YORK STREET-STE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.44% |
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN INSURANCE AGENCY INC. | PO BOX 1 VERSAILLES, OH 45380 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $3K | $12K | 13.89% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SERVICES AG | 2101 FLORENCE AVE. CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD - FL 11 RE ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $37 | — | $37 | 0.04% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $191K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $191K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $88K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $191K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.