| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 511 FIFTH STREET DEFIANCE, OH 43512 | COMMUNITY INSURANCE COMPANY | $12K | — | $12K | 2.35% |
| STOLLY INSURANCE AGENCY INC3 | PO BOX 5067 LIMA, OH 45802 | COMMUNITY INSURANCE COMPANY | $9K | $2K | $11K | 2.03% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | PO BOX 700 DEFIANCE, OH 43512 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.52% |
| STOLLY INSURANCE AGENCY INC3 | 1730 ALLENTOWN ROAD LIMA, OH 45805 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.10% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP- OHIO LLC | 7862 KINGLAND DRIVE #100 WEST CHESTER, OH 45069 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.80% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | 511 FIFTH STREET DEFIANCE, OH 43512 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.80% |
| TINA M THOMPSON DENNIS3 Filed as: TINA MARIE THOMPSONDENNIS | 1218 WONDERLICK ROAD LIMA, OH 45805 | COMPANION LIFE INSURANCE COMPANY | $679 | — | $679 | 3.40% |
| KRISTEN D PRESTON3 Filed as: KRISTEN PRESTON | 6745 COUNTY ROAD 45 ALGER, OH 45812 | COMPANION LIFE INSURANCE COMPANY | $679 | — | $679 | 3.40% |
| ADVANTAGE GROUP OHIO LLC3 Filed as: ADVANTAGE GROUP- OHIO LLC | — | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 28.60% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | — | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 21.90% |
| TINA M THOMPSON DENNIS3 Filed as: TINA MARIE THOMPSONDENNIS | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.34% |
| KRISTEN D PRESTON3 Filed as: KRISTEN DEEANNA PRESTON | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 11.34% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 77 | $525K |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 126 | $573K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 126 | $573K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 126 | $49K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 41 | $20K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 52 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.