| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $4K | $5K | 7.33% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 655 BEAVER CREEK CIRCLE MAUMEE, OH 43537 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR SUITE 400 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.81% |
| JACOB COX3 | 140 LANE 100 LONG LAKE FREEMONT, IN 46737 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.67% |
| SAVAGE & ASSOCIATES INC3 Filed as: SAVAGE & ASSOCIATES INC. | 4427 TALMADGE DR TOLEDO, OH 43623 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $154 | $0 | $154 | 0.32% |
| JOSEPH E TROIANO3 | 2854 LYTLE RD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | $0 | $123 | 0.26% |
| SHAWN L MOSELEY3 Filed as: SHAWN L. MOSELEY | 3700 SHAGBARK GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.17% |
| GAYLE A. DENNIS3 Filed as: GAYLE A DENNIS | 1760 TOWNSHIP RD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | $0 | $80 | 0.17% |
| JACK L SHORT3 | 176 PATTI DR WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | $0 | $72 | 0.15% |
| GREGORY P HOLLERN3 | 400 CARDINAL HILL LANE POWELL, OH 43065 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.15% |
| GARY MOSELEY3 Filed as: GARY L MOSELEY | 1760 TOWNSHIP RD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 0.13% |
| BRAD MESZAROS3 | 50 OLD VILLAGE RD SUITE 213 COLUMBUS, OH 43228 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DENNIS N SHAY3 Filed as: DENNIS SHAY | 409 MANILA PLACE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $416 | $2K | $2K | 8.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR SUITE 400 CARMEL, IN 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74 | $226 | $300 | 8.61% |
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $290 | $0 | $290 | 8.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 650 E CARMEL DR SUITE 400 CARMEL, IL 46032 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35 | $108 | $143 | 8.68% |
| MONTANA HEALTH NETWORK DBA FRINGE3 | 393 W. GORDON AVE STE 1 LAYTON, UT 84041 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $137 | $0 | $137 | 8.31% |
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 | 408 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 277 | $52K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 308 | $70K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 154 | $48K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 306 | $72K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 308 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.