| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE, SUITE 2050 TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 13.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | P.O. BOX 40948 INDIANAPOLIS, IN 462400948 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 9.85% |
| JACOB COX3 Filed as: JACOB N. COX | 140 LANE 100 LONG LAKE FREEMONT, IN 46737 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $398 | — | $398 | 0.80% |
| DENNIS N SHAY3 Filed as: DENNIS SHAY | 409 MANILA PLACE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $391 | — | $391 | 0.79% |
| JOSEPH E TROIANO3 Filed as: JOSEPH E. TROIANO | 2854 LYTLE RD CENTERBURG, OH 430111114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 0.52% |
| SHAWN MOSELEY3 | 4972 SOFTWOOD COURT WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 0.46% |
| GAYLE A. DENNIS3 | 142 PAINE ST DELAWARE, OH 43015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 0.35% |
| JACK L SHORT3 Filed as: JACK L. SHORT | 176 PATTI DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | — | $154 | 0.31% |
| GARY MOSELEY3 Filed as: GARY L. MOSELEY | 7415 PORT ROYALE AVENUE RUSSELLS POINT, OH 43348 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127 | — | $127 | 0.26% |
| DORIS A. BOWLING3 | 693 STATE ROUTE 314 MANSFIELD, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.23% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCS INC | P.O. BOX 8526 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.08% |
| BRAD MESZAROS3 | 50 OLD VILLAGE RD, SUITE 213 COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| GREGORY P HOLLERN3 Filed as: GREGORY P. HOLLERN | 400 CARDINAL HILL LANE POWELL, OH 43064 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 284 | $124K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 151 | $50K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 284 | $124K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.