| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $8K | $11K | 14.80% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | — | $26K | 51.63% |
| DAVID DUFFY3 Filed as: DAVID T DUFFY | 5405 BAYBROOK AVENUE ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $205 | — | $205 | 0.41% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.81% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.91% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 18.78% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $994 | — | $994 | 5.40% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.92% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $480 | $1K | 18.21% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $97K |
| Vision | VISION SERVICE PLAN | 97 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 145 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $27K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 146 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.