| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 511 FIFTH STREET DEFIANCE, OH 43512 | ACE AMERICAN INSURANCE COMPANY | $67K | — | $67K | 15.00% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | TRUSTMARK INSURANCE COMPANY | $25K | — | $25K | 20.90% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OHIO | 3848 CHERRY BROOK LANE MASON, OH 45040 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 3.48% |
| DAVE M KURIVIAL3 | 116 BROWN DRIVE BRYAN, OH 43506 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| FISHCO INC3 | 227 NORTH LYNN STREET BRYAN, OH 43506 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 8.37% |
| JULIE OXENDER3 Filed as: JULIE A OXENDER | PO BOX 464 WEST UNITY, OH 43570 | AMERICAN UNITED LIFE INSURANCE COMPANY | $404 | — | $404 | 0.42% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN UNITED LIFE INSURANCE COMPANY | $404 | — | $404 | 0.42% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OH | 7862 KINGLAND DR STE 100 WEST CHESTER, OH 45069 | AMERICAN UNITED LIFE INSURANCE COMPANY | $90 | — | $90 | 0.09% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $489K | — | $489K | 890.10% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 106 E JACKSON ST PAULDING, OH 45879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.88% |
| ADVANTAGE GROUP OHIO LLC3 | 3848 CHERRY BROOK LN MASON, OH 45040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.25% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.51% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 20.03% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 106 E JACKSON ST PAULDING, OH 45879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.70% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.14% |
| ADVANTAGE GROUP OHIO LLC3 | 3848 CHERRY BROOK LN MASON, OH 45040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $643 | — | $643 | 1.98% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $2K | — | $2K | 10.50% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OHIO | 3848 CHERRY BROOK LANE MASON, OH 45040 | COMBINED INSURANCE | $696 | — | $696 | 3.00% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $348 | — | $348 | 1.50% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE COMPANY | $5K | — | $5K | 27.04% |
| ADVANATAGE GROUP OHIO3 | 3848 CHERRY BROOK LANE 3 MASON, OH 45040 | COMBINED INSURANCE COMPANY | $1K | — | $1K | 7.88% |
| INSGROUP INC Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE COMPANY | $650 | — | $650 | 3.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX RISK MANAGEMENT SERVICES LLC EIN 83-0360667 NONE | Consulting (general) Service code 16 | 190 US ROUTE 1 FALMOUNT, ME 04105 | $17K |
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 | 621 | 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) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 484 | $549K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 484 | $444K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 484 | $444K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 647 | $96K |
| Short-term disability(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 484 | $563K |
| Prescription drug | ACE AMERICAN INSURANCE COMPANY | 484 | $444K |
| Stop-loss / reinsurancereinsurance | ACE AMERICAN INSURANCE COMPANY | 484 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 647 | — |
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.
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.