| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 220 PERRY ST, SUITE 200 FOSTORIA, OH 44830 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 19.61% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 511 FIFTH STREET DEFIANCE, OH 43512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $592 | — | $592 | 9.99% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 511 FIFTH STREET DEFIANCE, OH 43512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $745 | — | $745 | 14.99% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 511 FIFTH STREET DEFIANCE, OH 43512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95 | — | $95 | 9.98% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 511 FIFTH STREET DEFIANCE, OH 43512 | MEDICAL MUTUAL OF OHIO | $3K | $172 | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 NONE | Contract Administrator Service code 13 | 2060 EAST NINTH STREET CLEVELAND, OH 44115 | $14K |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $7K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $7K |
| Life insurance(2 contracts, 2 carriers) | SWISS RE | 188 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $5K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 162 | $0 |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $952 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.