| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 414 E WOOSTER ST BOWLING GREEN, OH 43402 | ACE AMERICAN INSURANCE COMPANY | $63K | — | $63K | 15.00% |
| JULIE OXENDER3 | PO BOX 464 10462 SR 191 WEST UNITY, OH 43570 | ASSURITY LIFE INSURANCE COMPANY | $45K | — | $45K | 36.03% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | ASSURITY LIFE INSURANCE COMPANY | $31K | — | $31K | 24.80% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ASSURITY LIFE INSURANCE COMPANY | $18K | — | $18K | 14.61% |
| JULIE OXENDER3 Filed as: JULIE A OXENDER | PO BOX 464 WEST UNITY, OH 43570 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 4.20% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 4.20% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OH | 7862 KINGLAND DR STE 100 WEST CHESTER, OH 45069 | AMERICAN UNITED LIFE INSURANCE COMPANY | $926 | — | $926 | 0.93% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.92% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $920 | — | $920 | 1.08% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.62% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $742 | — | $742 | 1.94% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $695 | — | $695 | 1.81% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $2K | — | $2K | 10.50% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OHIO | 7862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $622 | — | $622 | 3.00% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $311 | — | $311 | 1.50% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 11.63% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | TRUSTMARK INSURANCE COMPANY | $238 | — | $238 | 1.66% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $764 | — | $764 | 18.02% |
| ADVANTAGE GROUP OHIO LLC3 | 4862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $149 | — | $149 | 3.51% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $109 | — | $109 | 2.57% |
| 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 | $16K |
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 | 597 | 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) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 470 | $569K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 470 | $420K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 470 | $420K |
| Life insurance(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 597 | $223K |
| Short-term disability(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 470 | $435K |
| Long-term disability | ASSURITY LIFE INSURANCE COMPANY | 370 | $124K |
| Prescription drug | ACE AMERICAN INSURANCE COMPANY | 470 | $420K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 470 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 597 | — |
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."
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.