| 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 | $19K | — | $19K | 3.30% |
| INSGROUP INC3 Filed as: FIRST INS GRP OF THE MIDWEST INC | PO BOX 700 DEFIANCE, OH 43512 | DELTA DENTAL OF OHIO | $4K | — | $4K | 1.04% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFIT AGENCY INC | 220 PERRY STREET FOSTORIA, OH 44830 | DELTA DENTAL OF OHIO | $612 | — | $612 | 0.18% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | PO BOX 700 DEFIANCE, OH 43512 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 16.39% |
| HYLANT GROUP INC3 | PO BOX 1687 TOLEDO, OH 43603 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.93% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS INC | PO BOX 906 FOSTORIA, OH 448300906 | VISION SERVICE PLAN | $1K | — | $1K | 1.73% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 1650 NORTH COUNTY LINE STREET SUITE 200 FOSTORIA, OH 44830 | VISION SERVICE PLAN | $911 | — | $911 | 1.12% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.66% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $528 | — | $528 | 0.70% |
| NICOLE MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $101 | — | $101 | 0.13% |
| JOSEPH E TROIANO3 | 2854 LYTLE ROAD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 0.12% |
| JESSICA GORDON3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 17815 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.12% |
| GAYLE A. DENNIS3 Filed as: GAYLE DENNIS | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 0.11% |
| GARY MOSELEY3 Filed as: GARY L MOSELEY | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.06% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| SHAWN L MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| JACK L SHORT3 | 176 PATTIE DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 5.93% |
| SHAWN J KEELER3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| NICOLE MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | — | $268 | 0.37% |
| JOSEPH E TROIANO3 | 2854 LYTLE ROAD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 0.32% |
| JESSICA GORDON3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 17815 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $229 | — | $229 | 0.32% |
| GAYLE A. DENNIS3 Filed as: GAYLE DENNIS | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $204 | — | $204 | 0.28% |
| GARY MOSELEY3 Filed as: GARY L MOSELEY | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.11% |
| SHAWN L MOSELEY3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.05% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JACK L SHORT3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| FRANK TIMOTHY MACK3 | 3125 TIGER RUN COURT SUITE 105 CARLSBAD, CA 92010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 674 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,031 | $342K |
| Vision | VISION SERVICE PLAN | 442 | $81K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 700 | $184K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 700 | $184K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 489 | $581K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 700 | $331K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.