| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONSULTANTS3 | 418 SOUTH MAIN STREET FINDLAY, OH 45840 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.55% |
| FIRST INSURANCE GRP OF THE MIDWEST3 | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 16.36% |
| TERRY REICHENBACH3 | PO BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 1.86% |
| KESNER INS AGCY INC3 | PO BOX 1197 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 0.85% |
| RON HALLER3 | 331 KLINGLER ROAD PAULDING, OH 45879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 W MARKET ST #3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.06% |
| JOHN O'CONNOR3 | 3087 WEST ALLENTOWN ROAD LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.11% |
| TERRY REICHENBACH3 | PO BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $200 | — | $200 | 1.62% |
| KESNER INS AGCY INC3 | PO BOX 1197 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.65% |
| JOHN O'CONNOR3 | 3087 WEST ALLENTOWN ROAD LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.65% |
| RON HALLER3 | 331 KLINGLER ROAD PAULDING, OH 45879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | — | $62 | 0.50% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 W MARKET STREET #3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| RON L HALLER3 | 1240 W MARKET STREET LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
No Schedule C service providers reported on this filing.
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE | 100 | $0 |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $90K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 129 | $69K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 129 | $69K |
| Prescription drug | COMPANION LIFE INSURANCE | 100 | $0 |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE | 100 | $0 |
| Other(4 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.