| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 40948 INDIANAPOLIS, IN 46240 | UNION SECURITY INSURANCE COMPANY | $372K | $0 | $372K | 11.20% |
| GBS ADMINISTRATORS, INC.5 Filed as: GBS ADMINISTRATORS INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | UNION SECURITY INSURANCE COMPANY | $0 | $231K | $231K | 6.95% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 212 NORTH WASHINGTON ST MILLERSBURG, OH 446541536 | AULTCARE INSURANCE COMPANY | $16K | $0 | $16K | 0.68% |
| HUMMEL GROUP INC3 | 4585 STATE ROUTE 39 BERLIN, OH 44610 | AULTCARE INSURANCE COMPANY | $16K | $0 | $16K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 40948 INDIANAPOLIS, IN 46240 | SUN LIFE ASSURANCE COMPANY OF CANADA | $61K | $0 | $61K | 9.72% |
| GBS ADMINISTRATORS, INC.5 Filed as: GBS ADMINISTRATORS INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $44K | $44K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DR STE 350 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 21.66% |
| GARY MOSELEY3 | 1760 TOWNSHIP RD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.39% |
| NICOLE MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $643 | $0 | $643 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $513 | $513 | 0.83% |
| JOSEPH E TROIANO3 | 2854 LYTLE RD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $92 | $0 | $92 | 0.15% |
| JESSICA GORDON3 | 2955 SYCAMORE LN BLOOMSBURG, PA 17815 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.13% |
| SHAWN L MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD #1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE | $4K | $0 | $4K | 14.95% |
| HUMMEL GROUP INC3 Filed as: HUMMEL GROUP | 4585 SR 391 PO BOX 250 BERLIN, OH 44610 | EYEMED VISION CARE | $68 | $0 | $68 | 0.23% |
| HUNTINGTON INSURANCE - MILLERSBURG3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | EYEMED VISION CARE | $68 | $0 | $68 | 0.23% |
| GARY MOSELY3 | PO BOX 177 ZANSFIELD, OH 43360 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID SANFORD EDGE | — | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.68% |
| NICOLE MOSELY3 | PO BOX 177 ZANSFIELD, OH 43360 | ASSURITY LIFE INSURANCE COMPANY | $349 | $0 | $349 | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 6967 S RIVER GATE DR STE 200 MIDVALE, UT 84047 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $977 | $209 | $1K | 16.99% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 66 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AULTCARE INSURANCE COMPANY | 573 | $2.3M |
| Vision | EYEMED VISION CARE | 367 | $30K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 309 | $69K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,513 | $648K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 0 | $3.3M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 309 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,513 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.