| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $429 | $5K | 5.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $197 | $147 | $344 | 0.40% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $196 | $6K | 15.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $123 | $74 | $197 | 0.49% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $139 | $4K | 13.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $104 | $63 | $167 | 0.61% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE SUITE 103 TAMPA, FL 33614 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 60.42% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE FKA SKY INSUR. | 221 SOUTH CHURCH ST. BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 25.90% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $127 | $2K | 8.72% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $77 | $46 | $123 | 0.52% |
| NATIONAL BENEFIT GROUP OF AMERICA3 | 3102 W WATERS AVE SUITE 103 TAMPA, FL 33614 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 38.61% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE AKA SKY INSUR. | 221 SOUTH CHURCH ST. BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 16.54% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $15 | $2K | 10.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $54 | $32 | $86 | 0.46% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 W WATERS AVE SUITE 103 TAMPA, FL 33614 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 41.35% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE FKA SKY INSUR. | 221 SOUTH CHURCH ST. BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 17.73% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH ST BOWLING GREEN, OH 43402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $595 | — | $595 | 10.02% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W. BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | NATIONAL VISION ADMINISTRATORS, LLC | $42 | — | $42 | 5.00% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 290 | $91K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 385 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 250 | $24K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 108 | $27K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
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.