| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 511 5TH STREET DEFIANCE, OH 43512 | MEDICAL MUTUAL OF OHIO | $47K | $4K | $51K | 7.65% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | MEDICAL MUTUAL OF OHIO | $35K | $2K | $37K | 5.55% |
| ONE80 INTERMEDIARIES INC3 | 4555 LAKE FOREST DRIVE SUITE 510 CINCINNATI, OH 45242 | MEDICAL MUTUAL OF OHIO | — | $3K | $3K | 0.42% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | IN OF THE MIDWEST, INC. DEFIANCE, OH 43512 | DELTA DENTAL OF OHIO | $11K | — | $11K | 2.97% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 700 DEFIANCE, OH 43512 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 16.37% |
| RSC INSURANCE BROKERAGE INC3 | 511 5TH STREET DEFIANCE, OH 43512 | VISION SERVICE PLAN | $3K | — | $3K | 3.10% |
| ALKEME INSURANCE SERVICES INC3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 14.95% |
| SHAWN KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 8.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $574 | — | $574 | 0.69% |
| NICOLE MOSELEY3 | 3700 SHANGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 0.14% |
| GARY MOSELEY3 Filed as: GARY L MOSELEY | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 0.14% |
| JOSEPH E TROIANO3 | 2854 LYTLE ROAD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.13% |
| DENNIS GAYLE3 | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.12% |
| JESSICA GORDON3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 17815 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.03% |
| SHAWN L MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ALKEME INSURANCE SERVICES INC3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 14.16% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DRIVE SUITE 400 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $303 | — | $303 | 0.41% |
| GARY MOSELEY3 Filed as: GARY L MOSELEY | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.10% |
| NICOLE MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.08% |
| JOSEPH E TROIANO3 | 2854 LYTLE ROAD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.07% |
| DENNIS GAYLE3 | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.06% |
| SHAWN L MOSELEY3 Filed as: SHAWN L MOSLEY | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| JESSICA GORDON3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 17815 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 16.24% |
| ALKEME INSURANCE SERVICES INC3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 12.06% |
| ALKEME INSURANCE SERVICES INC3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 16.42% |
| SHAWN J KEELER3 | 211 SOUTH 23RD STREET PLATTMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 15.13% |
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 | 928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,012 | $377K |
| Vision | VISION SERVICE PLAN | 437 | $104K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 708 | $289K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 708 | $216K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 489 | $664K |
| Other(6 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 857 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,012 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.