| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.59% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY | 600 CRANBERRY WOODS DR STE 190 CRANBERRY TWP, PA 16066 | METROPOLITAN LIFE INSURANCE COMPANY | $278 | — | $278 | 0.30% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | HM LIFE INSURANCE COMPANY | $254 | — | $254 | 3.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | AETNA INTERNATIONAL | $150 | — | $150 | 7.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 4.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $1 | $20 | 3.94% |
| ARICK MARTIN3 | 427 S MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $1 | $16 | 3.15% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 1.57% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $93K |
| Vision | HM LIFE INSURANCE COMPANY | 92 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $93K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $93K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $93K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.