| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFITS ADMINISTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | STANDARD LIFE | $32K | — | $32K | 11.33% |
| VODES LLC3 Filed as: VODES BENEFITS | 7333 PARAGON ROAD, SUITE 190 DAYTON, OH 45459 | STANDARD LIFE | $7K | — | $7K | 2.36% |
| VODES LLC3 Filed as: VODES BENEFITS | 7333 PARAGON ROAD, SUITE 190 DAYTON, OH 45459 | SIRUS AMERICA INSURANCE COMPANY | $10K | — | $10K | 6.30% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 | 1487 COURTYARD PL CENTERVILLE, OH 454583975 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.01% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $999 | — | $999 | 4.64% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $861 | — | $861 | 4.00% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $549 | — | $549 | 2.55% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 0.58% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.47% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMIN INC | 1487 COURTYARD PL CENTERVILLE, OH 454583975 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 454392321 | HARTFORD LIFE AND ACCIDENT | $4K | $312 | $4K | 21.62% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.61% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $751 | — | $751 | 4.53% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $288 | — | $288 | 1.74% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $287 | — | $287 | 1.73% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 1.44% |
| JAMES L HALSEY3 | 119 N MAIN STREET UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143 | — | $143 | 0.86% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.10% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINSTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.91% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | DENTAL CARE PLUS, INC. | $1K | — | $1K | 7.68% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 3.47% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $329 | — | $329 | 2.47% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $304 | — | $304 | 2.29% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 2.10% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.55% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.35% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.11% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $404 | — | $404 | 3.09% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $399 | — | $399 | 3.05% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $244 | — | $244 | 1.87% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $155 | — | $155 | 1.19% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 0.49% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.17% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.13% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $218 | — | $218 | 3.48% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | — | $197 | 3.15% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 1.53% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.91% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.45% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITERS SERVICE CORPORATION EIN 90-0345133 NONE | Claims processing; Contract Administrator Service code 12 | — | $52K |
| MMO EIN 34-0648820 NONE | Claims processing; Contract Administrator Service code 12 | — | $33K |
| HEALTHSPAN EIN 31-1431434 NONE | Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | — | $15K |
| BILL DEMORAY NONE | Insurance brokerage commissions and fees Service code 53 | DEMORAY BENEFIT ADMINISTRATORS 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | $9K |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 24 | $71K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 310 | $55K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 300 | $16K |
| Life insurance(3 contracts, 2 carriers) | SIRUS AMERICA INSURANCE COMPANY | 259 | $230K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 42 | $19K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $39K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STANDARD LIFE | 145 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.