| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $148K | — | $148K | 33.28% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 900 LEE STREET CHARLESTOWN, WV 25301 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78K | — | $78K | 17.55% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.79% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.39% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $25K | — | $25K | 61.90% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $13K | — | $13K | 31.51% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $20K | — | $20K | 59.36% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $11K | — | $11K | 31.50% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.38% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $7K | — | $7K | 60.42% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $4K | — | $4K | 31.51% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $6K | — | $6K | 58.51% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $3K | — | $3K | 31.52% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $5K | — | $5K | 58.50% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $3K | — | $3K | 31.51% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $5K | — | $5K | 58.50% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $3K | — | $3K | 31.50% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $5K | — | $5K | 61.28% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $3K | — | $3K | 31.49% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $3K | — | $3K | 58.50% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $1K | — | $1K | 31.50% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $2K | — | $2K | 58.49% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $1K | — | $1K | 31.49% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $1K | — | $1K | 69.17% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $456 | — | $456 | 31.45% |
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 | 940 | 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) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 610 | $446K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 610 | $469K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 940 | $99K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 610 | $446K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $52K |
| Other(13 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 940 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.