| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT CONSULTANTS3 | 418 SOUTH MAIN STREET FINDLAY, OH 45840 | IMG STOP LOSS | $10K | — | $10K | 6.78% |
| GROUP BENEFIT CONSULTANTS3 | 418 SOUTH MAIN STREET FINDLAY, OH 45840 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | $101 | $8K | 11.48% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | -$6 | — | -$6 | -0.01% |
| FIRST INSURANCE GRP OF THE MIDWEST3 | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 19.22% |
| KESNER INS AGCY INC3 | PO BOX 1197 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.40% |
| TERRY REICHENBACH3 | PO BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.27% |
| VARIOUS3 | VARIOUS VARIOUS, OH 45409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.17% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP MGA, LLC - OHIO | 3848 CHERRY BROOK LANE MASON, OH 45040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 WEST MARKET STREET, SUITE 3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| TERRY REICHENBACH3 | PO BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $328 | — | $328 | 2.49% |
| KESNER INS AGCY INC3 | PO BOX 1197 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 0.98% |
| JOHN O'CONNOR3 | 3087 WEST ALLENTOWN ROAD LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 0.56% |
| RON HALLER3 | 331 KLINGLER ROAD PAULDING, OH 45879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.36% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 W MARKET STREET #3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| RON L HALLER3 | 1240 W MARKET STREET LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE EMPLOYEE BENEFIT SERVICE CENTER EIN 55-0713888 ADMINISTRATOR | Claims processing Service code 12 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | $26K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 PPO NETWORK | Other fees Service code 99 | PO BOX 632328 CINCINNATI, OH 45263 | $15K |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 161 | $94K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 143 | $72K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 143 | $72K |
| Stop-loss / reinsurancereinsurance | IMG STOP LOSS | 232 | $147K |
| Other(5 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 223 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.