| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 900 LEE STREET CHARLESTON, WA 25301 | GUARDIAN | $17K | $4K | $21K | 14.68% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | GUARDIAN | $19K | — | $19K | 13.22% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 6.67% |
| MARSHBERRY CONNECT PLATFORM LLC3 Filed as: MARSHBERRY CONNECT PLATFORM | PO BOX 72560 CLEVELAND, OH 44192 | PRINCIPAL LIFE INSURANCE COMPANY | — | $394 | $394 | 0.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W. BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $126 | $1K | 11.15% |
| MARSHBERRY CONNECT PLATFORM LLC3 Filed as: MARSHBERRY CONNECT PLATFORM | PO BOX 72560 CLEVELAND, OH 44192 | PRINCIPAL LIFE INSURANCE COMPANY | — | $58 | $58 | 0.50% |
| HUNTINGTON INSURANCE INC3 | 7 EASTON OVAL L4238 COLUMBUS, OH 43219 | SUN LIFE ASSURANCE COMPANY OF CANADA | $354 | — | $354 | 10.01% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | NATIONAL VISION ADMINISTRATORS, LLC | $38 | — | $38 | 5.05% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 275 | $82K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 328 | $12K |
| Life insurance | GUARDIAN | 224 | $144K |
| Short-term disability | GUARDIAN | 224 | $144K |
| Long-term disability | GUARDIAN | 224 | $144K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE-STEALTH | 209 | $663K |
| Other | GUARDIAN | 224 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.