| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, CA 85255 | HCC LIFE INSURANCE COMPANY | — | $30K | $30K | 5.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF OHIO | $7K | — | $7K | 4.70% |
| HUNTINGTON INSURANCE INC3 | L-4238 COLUMBUS, OH 43260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.20% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 20.67% |
| DAVID DUFFY3 | 5405 BAYBROOK AVE ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.03% |
| HUNTINGTON INSURANCE INC3 | L-4238 COLUMBUS, OH 43260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.31% |
| HUNTINGTON INSURANCE INC3 | L-4238 COLUMBUS, OH 43260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $992 | $7K | 17.49% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | L-4238 COLUMBUS, OH 43260 | VISION SERVICE PLAN | $1K | — | $1K | 4.91% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.42% |
| HUNTINGTON INSURANCE INC3 | L-4238 COLUMBUS, OH 43260 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17 | — | $17 | 10.76% |
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 | 212 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 381 | $142K |
| Vision | VISION SERVICE PLAN | 169 | $27K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 212 | $79K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 214 | $100K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $40K |
| Prescription drug | RXBENEFITS, INC. | 172 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 172 | $595K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 243 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.