| 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 | $63K | — | $63K | 13.60% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 900 LEE STREET CHARLESTOWN, WV 25301 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $10K | $44K | 9.42% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.65% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $13K | — | $13K | 24.92% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $7K | — | $7K | 12.46% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST COLUMBUS, OH 43215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.35% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $10K | — | $10K | 23.71% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $5K | — | $5K | 11.67% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.44% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $4K | — | $4K | 27.61% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $2K | — | $2K | 13.40% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $2K | — | $2K | 16.67% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $796 | — | $796 | 7.51% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $2K | — | $2K | 22.94% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $1K | — | $1K | 12.35% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $2K | — | $2K | 21.43% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $1K | — | $1K | 12.27% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $2K | — | $2K | 20.31% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $957 | — | $957 | 10.94% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $530 | — | $530 | 12.27% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $241 | — | $241 | 5.58% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $491 | — | $491 | 11.84% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $246 | — | $246 | 5.93% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | ASSURITY LIFE INSURANCE COMAPNY | $94 | — | $94 | 8.88% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR ROSHARON, TX 77583 | ASSURITY LIFE INSURANCE COMAPNY | $29 | — | $29 | 2.74% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | — |
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 | 865 | 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) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $462K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $483K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 865 | $80K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $462K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 569 | $503K |
| Other(12 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 865 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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.