| 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 | $80K | $10K | $90K | 17.15% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | BEN OTLEY DEFIANCE, OH 43512 | DELTA DENTAL OF OHIO | $10K | — | $10K | 2.76% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | PO BOX 700 DEFIANCE, OH 43512 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 15.00% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 13.02% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.33% |
| MOSELEY NICOLE3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | — | $213 | 0.28% |
| GORDON JESSICA3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 17815 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | — | $189 | 0.25% |
| TROIANO JOSEPH E3 | 2854 LYTLE ROAD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | — | $189 | 0.25% |
| DENNIS GAYLE3 | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 0.22% |
| MOSELEY GARY L3 | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.10% |
| MOSELEY NICOLE3 Filed as: MOSELEY SHAWN L | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.05% |
| SHORT JACK L3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| JACK L SHORT3 | 176 PATTIE DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| SHORT JACK L3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 11.17% |
| KEELER & ASSOCIATES3 Filed as: KEELER SHAWN J | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $813 | — | $813 | 1.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 650 EAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $394 | — | $394 | 0.56% |
| MOSELEY NICOLE3 | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.11% |
| TROIANO JOSEPH E3 | 2854 LYTLE ROAD CENTERBURG, OH 43011 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.10% |
| GORDON JESSICA3 | 2955 SYCAMORE LANE BLOOMSBURG, PA 17815 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.10% |
| DENNIS GAYLE3 | 1760 TOWNSHIP ROAD 55 BELLEFONTAINEE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $61 | — | $61 | 0.09% |
| MOSELEY GARY L3 | 1760 TOWNSHIP ROAD 55 BELLEFONTAINE, OH 43311 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| SHORT JACK L3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| SHORT JACK L3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.03% |
| MOSELEY NICOLE3 Filed as: MOSELEY SHAWN L | 3700 SHAGBARK TRAIL GALENA, OH 43021 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| SHORT JACK L3 | 176 PATTI DRIVE WESTERVILLE, OH 43081 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
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 | 774 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 86 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 955 | $356K |
| Vision | VISION SERVICE PLAN | 409 | $107K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 653 | $291K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 653 | $221K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 477 | $527K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 857 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.