| 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 | $3K | — | $3K | 4.24% |
| JACOB COX3 Filed as: JACOB N. COX | 140 LANE 100 LONG LAKE FREEMONT, IN 46737 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | P.O. BOX 40948 INDIANAPOLIS, IN 462400948 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.51% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCS INC | P.O. BOX 8526 TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $785 | — | $785 | 1.06% |
| SHAWN MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 0.31% |
| JOSEPH E TROIANO3 Filed as: JOSEPH E. TROIANO | 2854 LYTLE RD CENTERBURG, OH 430111114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 0.27% |
| DENNIS N SHAY3 Filed as: DENNIS SHAY | 409 MANILA PLACE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 0.25% |
| JACK L SHORT3 Filed as: JACK L. SHORT | 176 PATTI DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 0.19% |
| GAYLE A. DENNIS3 | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $138 | — | $138 | 0.19% |
| GARY MOSELEY3 Filed as: GARY L. MOSELEY | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $112 | — | $112 | 0.15% |
| DORIS A. BOWLING3 | 693 STATE ROUTE 314 N MANSFIELD, OH 44903 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.15% |
| BRAD MESZAROS3 | 50 OLD VILLAGE RD, SUITE 213 COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.05% |
| GREGORY P HOLLERN3 Filed as: GREGORY P. HOLLERN | 400 CARDINAL HILL LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 422 | 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 | 295 | $150K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 176 | $74K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $150K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 406 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
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.