| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFITS ADMINISTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | FIDELITY SECURITY | $31K | — | $31K | 11.53% |
| VODES LLC3 Filed as: VODES BENEFITS | 7333 PARAGON ROAD, SUITE 190 DAYTON, OH 45459 | FIDELITY SECURITY | $6K | — | $6K | 2.31% |
| VODES LLC3 Filed as: VODES BENEFITS | 7333 PARAGON ROAD, SUITE 190 DAYTON, OH 45459 | SIRIUS AMERICA INSURANCE COMPANY | $10K | — | $10K | 5.35% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 | 1487 COURTYARD PL CENTERVILLE, OH 454583975 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 S. DIXIE DR. DAYTON, OH 454392313 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.08% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMIN INC | 1487 COURTYARD PL CENTERVILLE, OH 454583975 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.08% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $403 | — | $403 | 1.92% |
| DAVE MAUTE3 | 2200 E MAIN ST SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | — | $367 | 1.75% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $366 | — | $366 | 1.75% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 1.61% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $321 | — | $321 | 1.53% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $280 | — | $280 | 1.34% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.35% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.33% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.32% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.26% |
| JAMES L HALSEY3 | 119 N. MAIN ST. UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.25% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.24% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINSTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.85% |
| DEMORAY BENEFIT ADMINISTRATORS INC3 Filed as: DEMORAY BENEFIT ADMINISTRATORS | 1487 COURTYARD PLACE CENTERVILLE, OH 45458 | DENTAL CARE PLUS, INC. | $1K | — | $1K | 7.54% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $509 | — | $509 | 4.08% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $269 | — | $269 | 2.16% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $186 | — | $186 | 1.49% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 1.16% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 1.11% |
| VINURA AGENCY LLC3 | PO BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.90% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.60% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.48% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.39% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.37% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.30% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.16% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.13% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.06% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $347 | — | $347 | 3.39% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 1.91% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 1.50% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | — | $92 | 0.90% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.77% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.76% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.45% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | — | $41 | 0.40% |
| JAMES L HALSEY3 | 119 N MAIN STREET UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.39% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.36% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.35% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.35% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.20% |
| JAMES L HALSEY3 | 119 N MAINST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.14% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.10% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| 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 | $104 | — | $104 | 1.60% |
| DAVE MAUTE3 | 2200 E MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | — | $100 | 1.54% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 1.48% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 1.30% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.91% |
| ERICA J LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.82% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.46% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.43% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.25% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.25% |
| JAMES L HALSEY3 | 119 N MAIN ST. UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.23% |
| JAMES L HALSEY3 | 119 N MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.22% |
| 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 | $3 | — | $3 | 0.05% |
| DOUGLAS SMITH3 | 2713 WOODFORD DR. SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $196 | — | $196 | 3.08% |
| DAVE MAUTE3 | 2200 E. MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 2.32% |
| ERICA LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 1.90% |
| DAVE MAUTE3 | 2200 E. MAIN STREET SPRINGFIELD, OH 45503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.93% |
| ERICA J LEONHARDT3 Filed as: ERICA J LEONARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.85% |
| VINURA AGENCY LLC3 | P.O. BOX 102 WADSWORTH, OH 44282 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.71% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.57% |
| THOMAS W BOSTON3 Filed as: THOMAS W. BOSTON | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.47% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.42% |
| JAMES L HALSEY3 | 119 N. MAIN ST. UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.36% |
| DOUGLAS E SMITH3 | 2713 WOODFORD DR. SPRINGFIELD, OH 455031949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.27% |
| JAMES L HALSEY3 | 119 N. MAIN ST UNION, OH 45322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.13% |
| ARMIN G LEONHARDT3 Filed as: ARMIN G. LEONHARDT | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| THOMAS W BOSTON3 | 13661 MARKET AVE. N HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| ARMIN G LEONHARDT3 | 9000 FRANCINE LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNDERWRITERS SERVICES CORPORATION EIN 90-0345133 NONE | Contract Administrator; Claims processing Service code 12 | — | $62K |
| MMO EIN 34-0648820 NONE | Claims processing; Contract Administrator Service code 12 | — | $36K |
| HEATHIESTYOU C/O TELADOC EIN 31-1418743 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $30K |
| HINES & ASSOCIATES EIN 36-3545085 NONE | Contract Administrator; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $8K |
| DELTA DENTAL OF OHIO EIN 31-0685339 NONE | Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 30 | $57K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF OHIO | 298 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 322 | $18K |
| Life insurance(3 contracts, 2 carriers) | SIRIUS AMERICA INSURANCE COMPANY | 155 | $314K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $120K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $45K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | FIDELITY SECURITY | 149 | $466K |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 30 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.