| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF HE MIDWEST | 2600 ALLENTOWN ROAD FINDLAY, OH 45840 | IMG STOP LOSS | $20K | — | $20K | 10.86% |
| GROUP BENEFIT CONSULTANTS3 | 418 SOUTH MAIN STREET FINDLAY, OH 45840 | IMG STOP LOSS | $1K | — | $1K | 0.57% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.46% |
| GROUP BENEFIT CONSULTANTS3 | 418 SOUTH MAIN STREET FINDLAY, OH 45840 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $484 | — | $484 | 0.66% |
| FIRST INSURANCE GRP OF THE MIDWEST3 | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 17.92% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP MGA, LLC - OHIO | 3848 CHERRY BROOK LANE MASON, OH 45040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.59% |
| KESNER INS AGCY INC3 | PO BOX 1197 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.38% |
| TERRY REICHENBACH3 | PO BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.21% |
| VARIOUS3 | VARIOUS VARIOUS, OH 45409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.15% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 510 ALDERSON STREET SCHOFIELD, WI 54476 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 WEST MARKET STREET, SUITE 3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 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 | 13.76% |
| TERRY REICHENBACH3 | PO BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 0.79% |
| JOHN O'CONNOR3 | 3087 WEST ALLENTOWN ROAD LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 0.52% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP MGA, LLC - OHIO | 3848 CHERRY BROOK LANE MASON, OH 45040 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 0.45% |
| KESNER INS AGCY INC3 | PO BOX 1197 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.41% |
| RON HALLER3 | 331 KLINGLER ROAD PAULDING, OH 45879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.16% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 W MARKET STREET #3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| 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 | $33K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 PPO NETWORK | Other fees Service code 99 | PO BOX 632328 CINCINNATI, OH 45263 | $18K |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 181 | $98K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 138 | $73K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 138 | $73K |
| Stop-loss / reinsurancereinsurance | IMG STOP LOSS | 210 | $184K |
| Other(5 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 210 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
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.