| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 7.51% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $149 | $3K | 6.25% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $61 | $3K | 13.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $897 | $706 | $2K | 8.41% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $69 | $3K | 14.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $963 | $741 | $2K | 9.17% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $60 | $1K | 8.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IA 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $656 | $517 | $1K | 8.43% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $832 | $28 | $860 | 10.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $402 | $316 | $718 | 8.41% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | SUN LIFE ASSURANCE COMPANY OF CANADA | $624 | $55 | $679 | 10.88% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | NATIONAL VISION ADMINISTRATORS, LLC | $42 | — | $42 | 4.95% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $47K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 394 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 247 | $14K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $19K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 136 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.