| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 511 5TH STREET DEFIANCE, OH 43512 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | $112K | — | $112K | 15.33% |
| THE EMPLOYEE BENEFIT SERVICE CENTER4 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $74K | $74K | 10.09% |
| MEDICAL MUTUAL4 | NETWORK ACCESS FEES L-3956 COLUMBUS, OH 432603956 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $67K | $67K | 9.14% |
| QUALITY CARE PARTNERS4 | 33 SOUTH 5TH STREET ZANESVILLE, OH 43701 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $26K | $26K | 3.49% |
| VISION SERVICE PLAN4 Filed as: VSP INSURANCE CO | PO BOX 742788 LOS ANGELES, CA 900742788 | STANDARD LIFE AND ACCIDENT INSURANCE CO. | — | $12K | $12K | 1.60% |
| RSC INSURANCE BROKERAGE INC3 | 601 CLINTON STREET DEFIANCE, OH 43512 | GUARDIAN | $32K | — | $32K | 7.50% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | — |
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 | 435 | 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) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 435 | $423K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 435 | $423K |
| Short-term disability | GUARDIAN | 435 | $423K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 435 | $423K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE AND ACCIDENT INSURANCE CO. | 796 | $733K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.