| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | HIGHMARK, INC. | $100K | — | $100K | 4.89% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK, INC. | $10K | — | $10K | 0.49% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | HIGHMARK, INC. | $23K | — | $23K | 4.95% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | HIGHMARK, INC. | $2K | — | $2K | 0.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $964 | $13K | 8.28% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES, INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $833 | — | $833 | 0.52% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | UNITED CONCORDIA INSURANCE COMPANY | $12K | — | $12K | 8.63% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT AND ASSOCIATES, INC. | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $559 | $3K | 2.36% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 310 GRANT STREET 2ND FLOOR PITTSBURGH, PA 15219 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 3.91% |
| SEUBERT & ASSOCIATES, INC.3 | 225 NORTH SHORE DRIVE SUITE 300 PITTSBURGH, PA 15212 | VISION BENEFITS OF AMERICA | $125 | — | $125 | 0.42% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 769 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 559 | $145K |
| Vision | VISION BENEFITS OF AMERICA | 309 | $30K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $159K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $159K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 373 | $159K |
| Prescription drug | HIGHMARK, INC. | 769 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 769 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.