| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE M | 220 PERRY STREET SUITE 200 FOSTORIA, OH 44830 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 15.31% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE M | 601 CLINTON STREET DEFIANCE, OH 43512 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $198 | $5K | $5K | 3.70% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE M | 220 PERRY STREET SUITE 200 FOSTORIA, OH 44830 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.66% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE M | 601 CLINTON STREET DEFIANCE, OH 43512 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 4.36% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE M | 220 PERRY STREET SUITE 200 FOSTORIA, OH 44830 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.82% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE M | 601 CLINTON STREET DEFIANCE, OH 43512 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $138 | $5K | $5K | 4.78% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $261K |
| Life insurance(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $375K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $115K |
| Stop-loss / reinsurancereinsurance | HCCB | 246 | $303K |
| Other(3 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.