| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | — | $104K | $104K | 7.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET FL 7 COLUMBUS, OH 43215 | UNITED CONCORDIA INSURANCE COMPANY | $22K | — | $22K | 5.92% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 5.50% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 2.92% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | HIGHMARK INC | $746 | — | $746 | 0.85% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $11K | $593 | $11K | 21.04% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $10K | $593 | $11K | 21.00% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $7K | $419 | $7K | 18.47% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $795 | $60 | $855 | 9.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 800 MARKET STREET SUITE 1800 SAINT LOUIS, MO 63101 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 25.01% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AON COMPANY | 1 NORTH WHITE HORSE IKE #2 HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $86 | $130 | 3.23% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.57% |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,498 | $370K |
| Vision | HIGHMARK INC | 1,439 | $87K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,233 | $192K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,377 | $295K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,377 | $303K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,101 | $1.5M |
| Other(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,250 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,250 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.