| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $5K | $6K | 9.07% |
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.32% |
| SAVAGE & ASSOCIATES INC3 | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | DELTA DENTAL OF OHIO | $4K | $0 | $4K | 9.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR STE 400 CARMEL, IN 46031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $415 | $2K | $2K | 9.22% |
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.32% |
| JULIE OXENDER3 Filed as: JULIE ANN OXENDER | PO BOX 464 10462 SR 191 WEST UNITY, OH 43570 | ASSURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 29.12% |
| ARIS GROUP LLC3 | 7862 KINGLAND DR STE 100 WEST CHESTER, OH 43570 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $54 | $233 | $287 | 9.01% |
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $265 | $0 | $265 | 8.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR STE 400 CARMEL, IL 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24 | $106 | $130 | 9.21% |
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $117 | $0 | $117 | 8.29% |
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 | 366 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL OF OHIO | 599 | $40K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $24K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 284 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 599 | — |
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.