| 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 | CORESOURCE | $78K | — | $78K | 15.00% |
| JULIE OXENDER3 | PO BOX 464 10462 SR 191 WEST UNITY, OH 43570 | ASSURITY LIFE INSURANCE COMPANY | $25K | — | $25K | 12.98% |
| ARIS GROUP LLC | 7862 KINGLAND DR WEST CHESTER, OH 45069 | ASSURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 7.69% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ASSURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 5.25% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | ASSURITY LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JULIE OXENDER3 Filed as: JULIE A OXENDER | PO BOX 464 WEST UNITY, OH 43570 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 4.25% |
| 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 | 7.22% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $750 | — | $750 | 1.15% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.97% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $917 | — | $917 | 2.06% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $776 | — | $776 | 1.74% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $3K | — | $3K | 378.01% |
| FRANK P DOHERTY3 | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $973 | — | $973 | 107.51% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP OHIO | 7862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $961 | — | $961 | 106.19% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $489 | — | $489 | 54.03% |
| ARIS GROUP LLC | 7862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $17 | — | $17 | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MATRIX RISK MANAGEMENT SERVICES LLC EIN 83-0360667 NONE | Contract Administrator Service code 13 | 190 US ROUTE 1 FALMOUNT, ME 04105 | $78K |
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 | 632 | 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) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CORESOURCE | 491 | $629K |
| Dental | CORESOURCE | 491 | $518K |
| Vision | CORESOURCE | 491 | $518K |
| Life insurance(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 632 | $309K |
| Short-term disability | CORESOURCE | 491 | $518K |
| Long-term disability | ASSURITY LIFE INSURANCE COMPANY | 559 | $190K |
| Prescription drug | CORESOURCE | 491 | $518K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CORESOURCE | 559 | $708K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.