| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC1 Filed as: FIRST INSURANCE GROUP | 1650 N. COUNTYLINE ST. FOSTORIA, OH 44830 | GUARDIAN | $15K | $7K | $22K | 17.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $40K |
| CORPORATE ONE BENEFITS EIN 34-1834526 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| FRONTPATH EIN 34-1713951 CONTRACT | Other fees Service code 99 | — | $19K |
| MEDICAL BENEFITS MUTUAL LIFE EIN 31-4210910 CONTRACT | Plan Administrator Service code 14 | — | $3K |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 171 | $126K |
| Vision | GUARDIAN | 171 | $126K |
| Life insurance | GUARDIAN | 171 | $126K |
| Long-term disability | GUARDIAN | 171 | $126K |
| Stop-loss / reinsurancereinsurance | U.S. FIRE/CRUM & FORSTER | 123 | $236K |
| Other | GUARDIAN | 171 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.