| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 511 5TH STREET DEFIANCE, OH 43512 | UNITED STATES FIRE INSURANCE CO. | $111K | — | $111K | 19.05% |
| MEDICAL MUTUAL4 | NETWORK ACCESS FEES L-3956 COLUMBUS, OH 432603956 | UNITED STATES FIRE INSURANCE CO. | — | $66K | $66K | 11.36% |
| THE EMPLOYEE BENEFIT SERVICE CENTER4 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | UNITED STATES FIRE INSURANCE CO. | — | $65K | $65K | 11.10% |
| QUALITY CARE PARTNERS4 | 33 SOUTH 5TH STREET ZANESVILLE, OH 43701 | UNITED STATES FIRE INSURANCE CO. | — | $23K | $23K | 3.98% |
| VISION SERVICE PLAN4 Filed as: VSP INSURANCE CO | PO BOX 742788 LOS ANGELES, CA 900742788 | UNITED STATES FIRE INSURANCE CO. | — | $12K | $12K | 2.01% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 511 FIFTH ST DEFIANCE, OH 43512 | COMMUNITY INSURANCE COMPANY | $8K | — | $8K | 4.98% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | ANTHEM LIFE INSURANCE COMPANY | $15K | — | $15K | 11.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA BENEFIT SOLUTIONS EIN 91-1467758 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 53250 BELLEVUE, WA 98015 | $14K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Other commissions; Contract Administrator; Insurance agents and brokers; Insurance brokerage commissions and fees; Claims processing Service code 12 | — | $12K |
| INGENIORX EIN 82-3062245 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing; Other services Service code 12 | — | $2K |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 438 | $162K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 440 | $128K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 440 | $128K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 440 | $128K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE CO. | 783 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.