| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.52% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $923 | — | $923 | 7.00% |
| TERRY REICHENBACH3 | P. O. BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $383 | — | $383 | 2.90% |
| KESNER INS AGCY INC3 Filed as: KESNER INSURANCE AGENCY, INC. | 2522 WENDELL AVENUE LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | — | $148 | 1.12% |
| RON HALLER3 | 331 KLINGLER ROAD PAULDING, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP - OHIO LLC | 7862 KINGLAND DRIVE, #100 WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| WORKPLACE EMPLOYEE BNFT SVCS3 Filed as: WORKPLACE EMPLOYEE BENEFIT SERVICES | 1240 W. MARKET STREET, #3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.08% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $582 | — | $582 | 6.04% |
| TERRY REICHENBACH3 | P. O. BOX 178 PANDORA, OH 45877 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | — | $161 | 1.67% |
| KESNER INS AGCY INC3 | 2522 WENDELL AVENUE LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.71% |
| HALLER RON3 | 331 KLINGLER ROAD PAULDING, OH 45879 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.65% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA, LLC | 7862 KINGLAND DRIVE SUITE 100 WEST CHESTER, OH 45069 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 WEST MARKET STREET, SUITE 3 LIMA, OH 45805 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP - OHIO LLC | 7868 KINGLAND DRIVE, #100 WEST CHESTER, OH 45069 | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 39.16% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF HE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 30.00% |
| TINA M THOMPSON DENNIS3 Filed as: TINA MARIE THOMPSON DENNIS | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 18.47% |
| KRISTEN D PRESTON3 Filed as: KRISTEN DEEANNA PRESTON | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 12.37% |
| 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 |
| FIRST INSURANCE GROUP EIN 34-0940616 BROKER | Insurance agents and brokers Service code 22 | 2600 ALLENTOWN ROAD LIMA, OH 45805 | $24K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 PPO NETWORK | Other fees Service code 99 | PO BOX 632328 CINCINNATI, OH 45263 | $17K |
| QUALITY CARE PARTNERS EIN 31-1435470 CASE MANAGEMENT | Other fees Service code 99 | 2806 BELL STREET ZANESVILLE, OH 43701 | $6K |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 154 | $117K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 131 | $67K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 131 | $67K |
| Other(5 contracts, 4 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 154 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.