| 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 | $34K | — | $34K | 10.81% |
| VODES LLC3 Filed as: VODES BENEFITS | 7333 PARAGON ROAD, SUITE 190 DAYTON, OH 45459 | STANDARD LIFE | $7K | — | $7K | 2.35% |
| VODES LLC3 Filed as: VODES BENEFITS | 7333 PARAGON ROAD, SUITE 190 DAYTON, OH 45459 | SIRIUS AMERICA INSURANCE COMPANY | $11K | — | $11K | 5.84% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 | 1487 COURTYARD PL CENTERVILLE, OH 454583975 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN/BRABENDER AGENCY INC | 3931 S DIXIE DRIVE DAYTON, OH 454392321 | HARTFORD LIFE AND ACCIDENT | $5K | $384 | $5K | 21.57% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINSTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMIN INC | 1487 COURTYARD PL CENTERVILLE, OH 454583975 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.26% |
| DAVE MAUTE3 | 2200 E MAIN ST SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $429 | — | $429 | 2.32% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $415 | — | $415 | 2.25% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $370 | — | $370 | 2.00% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $356 | — | $356 | 1.93% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $336 | — | $336 | 1.82% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 1.37% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 0.44% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.43% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.37% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.36% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.32% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.30% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | DENTAL CARE PLUS, INC. | $1K | — | $1K | 7.63% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $318 | — | $318 | 3.01% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $265 | — | $265 | 2.51% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 1.59% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 1.39% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $132 | — | $132 | 1.25% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.60% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.46% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.42% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.39% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.39% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.36% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.17% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.09% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $240 | — | $240 | 2.66% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $208 | — | $208 | 2.30% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $122 | — | $122 | 1.35% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.64% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.60% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.52% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.50% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.45% |
| JAMES L HALSEY3 | 119 N MAIN STREET UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.44% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.42% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.33% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.13% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| JAMES L HALSEY3 | 119 N MAINST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DAVE MAUTE3 | 2200 E. MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 1.75% |
| DAVE MAUTE3 | 2200 E. MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 1.38% |
| ERICA LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 1.35% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 1.27% |
| ERICA J LEONHARDT3 Filed as: ERICA J LEONARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 1.23% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR. SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.81% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR. SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.51% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.26% |
| JAMES L HALSEY3 | 119 N. MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.25% |
| JAMES L HALSEY3 | 119 N. MAIN ST. UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.22% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.22% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.19% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR. SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| ARMIN G LEONHARDT3 Filed as: ARMIN G. LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| DAVE MAUTE3 | 2200 E. MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 1.91% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 1.89% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 1.24% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE STREET HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 1.05% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.83% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.73% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.56% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.35% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.30% |
| JAMES L HALSEY3 | 119 N MAIN ST. UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.27% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST. HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.21% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSPAN EIN 31-1431434 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $2.0M |
| UNDERWRITERS SERVICE CORPORATION EIN 90-0345133 NONE | Claims processing; Contract Administrator Service code 12 | — | $64K |
| MMO EIN 34-0648820 NONE | Claims processing; Contract Administrator Service code 12 | — | $33K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $7K |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $51K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 291 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 300 | $22K |
| Life insurance(3 contracts, 2 carriers) | SIRIUS AMERICA INSURANCE COMPANY | 170 | $330K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $135K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 164 | $45K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STANDARD LIFE | 152 | $508K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.