| 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 | $74K | — | $74K | 13.77% |
| JULIE OXENDER3 Filed as: JULIE A OXENDER | PO BOX 464 WEST UNITY, OH 43570 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 4.21% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 4.21% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OH | 7862 KINGLAND DR STE 100 WEST CHESTER, OH 45069 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 8.12% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.06% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.05% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $871 | — | $871 | 1.30% |
| JULIE OXENDER3 | PO BOX 464 10462 SR 191 WEST UNITY, OH 43570 | ASSURITY LIFE INSURANCE COMPANY | $28K | — | $28K | 50.69% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | ASSURITY LIFE INSURANCE COMPANY | $16K | — | $16K | 28.80% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ASSURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 20.51% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 12.62% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.72% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.26% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $913 | — | $913 | 1.98% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $3K | — | $3K | 18.28% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OHIO | 7862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $951 | — | $951 | 5.22% |
| FRANK P DOHERTY3 | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $947 | — | $947 | 5.20% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $466 | — | $466 | 2.56% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | TRUSTMARK INSURANCE COMPANY | $47 | — | $47 | 3.19% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OHIO | 3848 CHERRY BROOK LANE MASON, OH 45040 | TRUSTMARK INSURANCE COMPANY | $11 | — | $11 | 0.75% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | TRUSTMARK INSURANCE COMPANY | $6 | — | $6 | 0.41% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $65 | — | $65 | 7.03% |
| ADVANTAGE GROUP OHIO LLC3 | 4862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $18 | — | $18 | 1.95% |
| FRANK P DOHERTY3 | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $14 | — | $14 | 1.51% |
| 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 | $74K |
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 | 659 | 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) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 497 | $669K |
| Dental | ACE AMERICAN INSURANCE COMPANY | 497 | $536K |
| Vision | ACE AMERICAN INSURANCE COMPANY | 497 | $536K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 659 | $163K |
| Short-term disability(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 497 | $538K |
| Long-term disability | ASSURITY LIFE INSURANCE COMPANY | 506 | $56K |
| Prescription drug | ACE AMERICAN INSURANCE COMPANY | 497 | $536K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 506 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.