| 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 | $21K | $2K | $23K | 5.10% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | PO BOX 700 DEFIANCE, OH 43512 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 10.26% |
| ARIS GROUP LLC3 Filed as: ARIS GROUP, LLC | 7862 KINGLAND DRIVE #100 WEST CHESTER, OH 45069 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | 511 FIFTH STREET DEFIANCE, OH 43512 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| TINA M THOMPSON DENNIS3 Filed as: TINA MARIE THOMPSONDENNIS | 205 EDENS OAK COURT SIX MILE, SC 29682 | COMPANION LIFE INSURANCE COMPANY | $753 | — | $753 | 3.75% |
| KRISTEN D PRESTON3 Filed as: KRISTEN PRESTON | 6745 COUNTY ROAD 45 ALGER, OH 45812 | COMPANION LIFE INSURANCE COMPANY | $753 | — | $753 | 3.75% |
| ARIS GROUP LLC3 Filed as: ARIS GROUP | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.52% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.36% |
| TINA M THOMPSON DENNIS3 Filed as: TINA MARIE THOMPSONDENNIS | — | ASSURITY LIFE INSURANCE COMPANY | $686 | — | $686 | 5.27% |
| KRISTEN D PRESTON3 Filed as: KRISTEN DEEANNA PRESTON | — | ASSURITY LIFE INSURANCE COMPANY | $686 | — | $686 | 5.27% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 63 | $458K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $52K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 93 | $510K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 93 | $52K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 36 | $20K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 47 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.