| 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 | $77K | — | $77K | 15.00% |
| JULIE OXENDER3 | PO BOX 464 10462 SR 191 WEST UNITY, OH 43570 | ASSURITY LIFE INSURANCE COMPANY | $24K | — | $24K | 12.50% |
| ARIS GROUP LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | ASSURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 7.75% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ASSURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 5.05% |
| JULIE OXENDER3 Filed as: JULIE A OXENDER | PO BOX 464 WEST UNITY, OH 43570 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 4.26% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 4.26% |
| 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 | 0.95% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 7.40% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.80% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $821 | — | $821 | 1.19% |
| JULIE OXENDER3 | PO BOX 464 10462 STATE ROUTE 191 WEST UNITY, OH 43570 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 12.39% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.53% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.39% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH ST DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.97% |
| JULIE OXENDER3 | PO BOX 464 WEST UNITY, OH 43570 | COMBINED INSURANCE | $57 | — | $57 | 0.17% |
| ARIS GROUP LLC3 | 7862 KINGLAND DR WEST CHESTER, OH 45069 | COMBINED INSURANCE | $16 | — | $16 | 0.05% |
| FRANK P DOHERTY3 | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $12 | — | $12 | 0.04% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | COMBINED INSURANCE | $8 | — | $8 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS INC EIN 35-1846036 NONE | Claims processing; Other services; Plan Administrator Service code 12 | 400 FIELD DRIVE LAKE FOREST, IL 60045 | $201K |
| PARKVIEW HEALTH PLAN SERVICES EIN 35-2064353 NONE | Claims processing; Other services Service code 12 | 1450 PRODUCTION RD FORT WAYNE, IN 46808 | $32K |
| VISION SERVICE PLAN EIN 06-1227840 NONE | Claims processing; Other services Service code 12 | 3333 WAULITY DRIVE RANCHO CORDOVA, CA 95670 | $24K |
| MULTIPLAN INC EIN 13-3068979 NONE | Plan Administrator; Claims processing; Other services Service code 12 | 115 5TH AVE FL 7 NEW YORK, NY 10003 | $9K |
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 | 623 | 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) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | TOKIO MARINE HCC | 501 | $667K |
| Dental | TOKIO MARINE HCC | 501 | $511K |
| Vision | TOKIO MARINE HCC | 501 | $511K |
| Life insurance(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 623 | $310K |
| Short-term disability | TOKIO MARINE HCC | 501 | $511K |
| Long-term disability | ASSURITY LIFE INSURANCE COMPANY | 527 | $190K |
| Prescription drug | TOKIO MARINE HCC | 501 | $511K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TOKIO MARINE HCC | 527 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
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.