| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43110 | AETNA LIFE INSURANCE CO | — | $22K | $22K | 0.74% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 1025 BECKS KNOB ROAD SW LANCASTER, OH 43130 | AETNA LIFE INSURANCE CO | — | $15K | $15K | 0.51% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AETNA LIFE INSURANCE CO | — | $8K | $8K | 0.27% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 7.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $8K | 3.61% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 8.28% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 3.88% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.24% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $3K | 4.06% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 35.91% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY | 5905 EAST GALBRAITH RD SUITE 5000 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $158 | $187 | $345 | 3.82% |
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 | 565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 1,303 | $2.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 565 | $84K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 565 | $215K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 565 | $100K |
| Prescription drug | AETNA LIFE INSURANCE CO | 1,303 | $2.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 565 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,303 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.