| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $30K | $7K | $38K | 9.92% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | MEDICAL MUTUAL OF OHIO | $56K | $4K | $60K | 18.66% |
| BENEFITS R YOURS LLC3 | 303 E. MECHANIC ST SUITE B ARCHBOLD, OH 43502 | AFLAC | $1K | $178 | $1K | 3.98% |
| CHAD A POLLOCK3 | 134 W SOUTH BOUNDARY ST SUITE A PERRYSBURG, OH 43551 | AFLAC | $707 | $36 | $743 | 2.50% |
| ELAINE M MOORE3 | 504 WILLMORE DR BRYAN, OH 43506 | AFLAC | $277 | — | $277 | 0.93% |
| MARC WRIGHT BENEFITS CONSULTING LLC3 | 131 W NORTH STREET LIMA, OH 45801 | AFLAC | $253 | — | $253 | 0.85% |
| BRIAN J DAY3 | 8744 UNION CENTRE BLVD SUITE 500 WEST CHESTER, OH 45069 | AFLAC | $186 | $36 | $222 | 0.75% |
| DANIEL L JONES3 | 201 NORTH MAIN STREET DELPHOS, OH 45833 | AFLAC | $210 | — | $210 | 0.71% |
| 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 | $141 | — | $141 | 0.47% |
| 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 | $66 | — | $66 | 0.22% |
| 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 DRIVE 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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $380K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $380K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $380K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $410K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $380K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 391 | $324K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 458 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.