| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | NOT PROVIDED COLUMBUS, OH 43215 | UNITED CONCORDIA INSURANCE COMPANY | $16K | — | $16K | 6.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | NOT PROVIDED PITTSBURG, PA 15233 | UNITED CONCORDIA INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.63% |
| WILLIAM DANIEL MCCARRON3 | 4617 GREENWOLD RD SOUTH EUCLID, OH 44121 | HIGHMARK INC | $499 | — | $499 | 0.91% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $4K | — | $4K | 20.27% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM INSURANCE COMPANY | $4K | — | $4K | 20.28% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $940 | — | $940 | 10.00% |
| 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 | $35 | — | $35 | 1.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.70% |
| FIRST COMMONWEALTH INSURANCE AGENCY3 | 654 PHILADELPHIA ST INDIANA, PA 15701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.70% |
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 | 907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 991 | $249K |
| Vision | HIGHMARK INC | 920 | $55K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 907 | $173K |
| Short-term disability | STANDARD INSURANCE COMPANY | 979 | $247K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 979 | $256K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 682 | $972K |
| Other(7 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,479 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,479 | — |
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."
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.