| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | — | WESTPORT INSURANCE CORPORATION | $20K | — | $20K | 6.03% |
| THE ASHLEY GROUP3 | — | WESTPORT INSURANCE CORPORATION | $17K | — | $17K | 5.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES JOSEPH CROVO | — | NATIONWIDE LIFE INSURANCE COMPANY | $3K | — | $3K | 10.28% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | — | SUPERIOR DENTAL CARE | $1K | — | $1K | 3.97% |
| ASHLEY INSURANCE GROUP3 | — | SUPERIOR DENTAL CARE | $857 | — | $857 | 3.29% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | — | VISION SERVICE PLAN | $248 | — | $248 | 5.73% |
| THE ASHLEY GROUP3 | — | VISION SERVICE PLAN | $185 | — | $185 | 4.27% |
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 | 58 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 58 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE | 84 | $26K |
| Vision | VISION SERVICE PLAN | 39 | $4K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 139 | $27K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 58 | $334K |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 139 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.