| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 220 PERRY STREET STE 200 FOSTORIA, OH 44830 | GUARDIAN | $30K | $14K | $44K | 8.86% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 415 FIFTH STREET 1200 DEFIANCE, OH 43512 | COMMUNITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF MIDWEST | 415 FIFTH STREET 1200 DEFIANCE, OH 43512 | COMMUNITY INSURANCE COMPANY | $10K | — | $10K | 17.04% |
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | 415 FIFTH STREET 1200 DEFIANCE, OH 43512 | COMMUNITY INSURANCE COMPANY | $6K | — | $6K | 9.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 BROKER | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other fees; Claims processing Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $0 |
| COMMUNITY INSURANCE COMPANY 31-1440 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 636 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 505 | $203K |
| Vision | COMMUNITY INSURANCE COMPANY | 450 | $60K |
| Life insurance | GUARDIAN | 636 | $495K |
| Short-term disability | GUARDIAN | 636 | $495K |
| Long-term disability | GUARDIAN | 636 | $495K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 605 | $351K |
| Other | GUARDIAN | 636 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.