| 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 | $6K | — | $6K | 5.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $579 | $3K | 3.19% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $309 | $2K | 1.82% |
| SMC INSURANCE AGENCY, INC.3 Filed as: SMC INSURANCE AGENCY | 600 CRANBERRY WOODS DR STE 190 CRANBERRY TWP, PA 16066 | METROPOLITAN LIFE INSURANCE COMPANY | $205 | — | $205 | 0.19% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | HM LIFE INSURANCE COMPANY | $127 | — | $127 | 1.37% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 W BROAD STREET 7TH FLOOR COLUMBUS, OH 43110 | AETNA INTERNATIONAL | $150 | — | $150 | 15.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 4.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL J SLATER | 1624 HOLLY HILL DRIVE BETHEL PARK, PA 15102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 4.73% |
| ARICK MARTIN3 | 427 S MEADOWCROFT AVENUE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 2.96% |
| TIMOTHY J SLATER3 | 821 WHITE OAK CIRCLE PITTSBURGH, PA 15228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 1.18% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $109K |
| Vision | HM LIFE INSURANCE COMPANY | 98 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $109K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $109K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 97 | $261K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.