| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 | 811 MADISON AVE 8TH FL TOLEDO, OH 43604 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $26K | — | $26K | 4.83% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFIT AGENCY INC | 220 PERRY STREET FOSTORIA, OH 44830 | DELTA DENTAL OF OHIO | $9K | — | $9K | 2.74% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE 8TH FLOOR TOLEDO, OH 43604 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 8.03% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | PO BOX 700 DEFIANCE, OH 43512 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 5.85% |
| HYLANT GROUP INC3 | ATTN ACCOUNTING PO BOX 1687 TOLEOD, OH 436031687 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.10% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.42% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 E CARMEL DR STE 350 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $786 | — | $786 | 0.73% |
| NICOLE MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 0.14% |
| JOSEPH E TROIANO3 | 2854 LYTLE ROAD CENTERBURG, OH 430111114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 0.12% |
| JESSICA GORDON3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 178153227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 0.12% |
| GAYLE A. DENNIS3 Filed as: GAYLE DENNIS | 1760 TOWNSHIP RD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.11% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $95 | — | $95 | 0.09% |
| GARY MOSELEY3 Filed as: GARY L MOSELEY | 1760 TOWNSHIP RD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.06% |
| SHAWN L MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.03% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 6.55% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 40544 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 E CARMEL DR STE 350 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.92% |
| NICOLE MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $415 | — | $415 | 0.41% |
| JOSEPH E TROIANO3 | 2854 LYTLE ROAD CENTERBURG, OH 430111144 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $366 | — | $366 | 0.36% |
| JESSICA GORDON3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 178153227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $366 | — | $366 | 0.36% |
| GAYLE A. DENNIS3 Filed as: GAYLE DENNIS | 1760 TOWNSHIP RD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $334 | — | $334 | 0.33% |
| GARY MOSELEY3 Filed as: GARY L MOSELEY | 1760 TOWNSHIP RD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $131 | — | $131 | 0.13% |
| SHAWN L MOSELEY3 | 3700 SHAGBARNK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.06% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.04% |
| FRANK TIMOTHY MACK3 | 3125 TIGER RUN CT STE 105 CARLSBAD, CA 92010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS INC | PO BOX 906 FOSTORIA, OH 448300906 | VISION SERVICE PLAN | $2K | — | $2K | 2.94% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 952 | $310K |
| Vision | VISION SERVICE PLAN | 408 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 691 | $208K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 691 | $208K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 470 | $530K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 691 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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.