| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 220 PERRY ST STE 200 FOSTORIA, OH 44830 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.52% |
| FISHCO INC3 | 227 N. LYNN ST BRYAN, OH 43506 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $85 | $2K | 4.23% |
| LUCIDO MORRIS ASSOCIATES, LLC3 | 24255 W 13 MILE ROAD, SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 0.12% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | DEARBORN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 12.29% |
| ELIZABETH H POOL3 | 227 N LYNN ST BRYAN, OH 43506 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.58% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST | 511 5TH STREET DEFIANCE, OH 43512 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.19% |
| ANDRES O'NEIL & LOWE INS. AGENCY3 Filed as: ANDRES O'NEIL & LOWE AGENCY | 227 N LYNN ST BRYAN, OH 43506 | SUN LIFE ASSURANCE COMPANY OF CANADA | $529 | — | $529 | 1.35% |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 63 | $53K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 63 | $53K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 99 | $85K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 86 | $45K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 86 | $45K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 99 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.