| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $9K | $18K | 15.62% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE INC FKA SKY IN | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 10.65% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE EAST SUITE 100 CHERRY HILL, NJ 08034 | UNION SECURITY INSURANCE COMPANY | $838 | — | $838 | 2.89% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 11.78% |
| ENROLLEASE3 Filed as: ROBERT J COWAN C/O KATZ/PIERZ | 413 MARLTON PIKE EAST CHERRY HILL, NJ 08034 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 4.72% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENEFIT CONCEPTS, LLC | 413 MARLTON PIKE EAST SUITE 300 CHERRY HILL, NJ 08034 | AETNA LIFE INSURANCE CO | $383 | — | $383 | 1.79% |
| ENROLLEASE3 Filed as: KATZ PIERZ INC | 413 MARLTON PIKE EAST SUITE 100 CHERRY HILL, NJ 08034 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $321 | — | $321 | 2.68% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE INC FKA SKY IN | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC | $141 | — | $141 | 1.18% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | NATIONAL VISION ADMINISTRATORS, LLC | $39 | — | $39 | 4.98% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | NATIONAL VISION ADMINISTRATORS, LLC | $21 | — | $21 | 2.69% |
| BENJAMIN KATZ LTD LLC3 Filed as: BENJAMIN KATZ LTD, LLC | 5885 LANDERBROOK DRIVE #200 CLEVELAND, OH 44124 | NATIONAL VISION ADMINISTRATORS, LLC | $18 | — | $18 | 2.30% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $156K |
| Vision(2 contracts) | NATIONAL VISION ADMINISTRATORS, LLC | 370 | $2K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $136K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 363 | $136K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 96 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.