| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | MEDICAL MUTUAL OF OHIO | $52K | $4K | $56K | 19.33% |
| FIRST INSURANCE GRP OF THE MIDWEST3 Filed as: FIRST INSURANCE GRP. OF THE MIDWEST | 419 FIFTH ST., SUITE 1200 DEFIANCE, OH 43512 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 5.94% |
| FISHCO INC3 Filed as: FISHCO INC. DBA ANDRES ONEIL & LOWE | 227 N LYNN ST BRYAN, OH 435061215 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 12.60% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKERS INS. SVCS. INC. | 2101 FLORENCE AVE CINCINNATI, OH 452062426 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| FIRST INSURANCE GRP OF THE MIDWEST3 Filed as: FIRST INSURANCE GRP. OF THE MIDWEST | 419 FIFTH ST., SUITE 1200 DEFIANCE, OH 43512 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| BENEFITS R YOURS LLC3 | 303 E. MECHANIC ST SUITE B ARCHBOLD, OH 43502 | AFLAC | $1K | $178 | $1K | 4.01% |
| CHAD A POLLOCK3 | 134 W SOUTH BOUNDARY ST SUITE A PERRYSBURG, OH 43551 | AFLAC | $778 | $36 | $814 | 2.74% |
| ELAINE M MOORE3 | 504 WILLMORE DR BRYAN, OH 43506 | AFLAC | $295 | — | $295 | 0.99% |
| MARC WRIGHT BENEFITS CONSULTING LLC3 | 131 W NORTH STREET LIMA, OH 45801 | AFLAC | $258 | — | $258 | 0.87% |
| DANIEL L JONES3 | 201 NORTH MAIN STREET DELPHOS, OH 45833 | AFLAC | $233 | — | $233 | 0.78% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $195 | $36 | $231 | 0.78% |
| AARON ANSPACH LLC3 Filed as: AARON M ANSPACH | 825 W MARKET ST SUITE 101 LIMA, OH 45805 | AFLAC | $186 | — | $186 | 0.63% |
| ANDREW L SKILES3 | 649 WOOD DRIVE MONTPELIER, OH 43543 | AFLAC | $154 | — | $154 | 0.52% |
| SAM MERILLAT3 | 303 E MECHANIC ST. SUITE B ARCHBOLD, OH 43502 | AFLAC | $134 | — | $134 | 0.45% |
| BRIAN J DAY3 Filed as: BRIAN R DAEGER | 14785 ROAD 138 PAULDING, OH 45879 | AFLAC | $94 | $36 | $130 | 0.44% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 5TH ST DEFIANCE, OH 43512 | AFLAC | $68 | — | $68 | 0.23% |
| NICOLE STARKEY3 | 1102 ELEANOR AVE TOLEDO, OH 43612 | AFLAC | $29 | — | $29 | 0.10% |
| LAURICE A WALKOWSKI3 | 7359 COUNTY ROAD P50 MONTPELIER, OH 43543 | AFLAC | $10 | — | $10 | 0.03% |
| JILL S BAYES3 | 4537 THACKERAY ROAD MAUMEE, OH 43537 | AFLAC | $9 | — | $9 | 0.03% |
| RYAN MORRIS3 Filed as: RYAN E MORRIS | 2212 ORCHARD RD OTTAWA HILLS, OH 43606 | AFLAC | $8 | — | $8 | 0.03% |
| BRUCE MEYER3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $2 | — | $2 | 0.01% |
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 | 455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 265 | $136K |
| Vision | VISION SERVICE PLAN | 285 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $80K |
| Short-term disability | AFLAC | 455 | $30K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $80K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 363 | $291K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 598 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.