| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | TOKIO MARINE HCC | $18K | — | $18K | 15.00% |
| JULIE OXENDER3 | PO BOX 464 10462 SR 191 WEST UNITY, OH 43570 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ARIS GROUP LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.85% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.04% |
| JULIE OXENDER3 Filed as: JULIE A OXENDER | PO BOX 464 WEST UNITY, OH 43570 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 3.99% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 3.99% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OH | 7862 KINGLAND DR STE 100 WEST CHESTER, OH 45069 | AMERICAN UNITED LIFE INSURANCE COMPANY | $231 | — | $231 | 0.89% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $11 | — | $11 | 0.10% |
| ARIS GROUP LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $3 | — | $3 | 0.03% |
| FRANK P DOHERTY3 | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $2 | — | $2 | 0.02% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $2 | — | $2 | 0.02% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $506 | — | $506 | 6.77% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $195 | — | $195 | 2.61% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | — | $135 | 1.81% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 1.10% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $697 | — | $697 | 12.06% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | — | $253 | 4.38% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 2.39% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $111 | — | $111 | 1.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS INC EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | 400 FIELD DRIVE LAKE FOREST, IL 60045 | $35K |
| PARKVIEW HEALTH PLAN SERVICES EIN 35-2064353 NONE | Claims processing; Other services Service code 12 | 1450 PRODUCTION RD FORT WAYNE, IN 46808 | $6K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Other services Service code 12 | 3333 WAULITY DRIVE RANCHO CORDOVA, CA 95670 | $4K |
| MULTIPLAN INC EIN 13-3068979 NONE | Other services; Claims processing; Plan Administrator Service code 12 | 115 5TH AVE FL 7 NEW YORK, NY 10003 | $2K |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | TOKIO MARINE HCC | 0 | $145K |
| Dental | TOKIO MARINE HCC | 0 | $121K |
| Vision | TOKIO MARINE HCC | 0 | $121K |
| Life insurance(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 0 | $62K |
| Short-term disability | TOKIO MARINE HCC | 0 | $121K |
| Long-term disability | ASSURITY LIFE INSURANCE COMPANY | 0 | $36K |
| Prescription drug | TOKIO MARINE HCC | 0 | $121K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE HCC | 0 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.