| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 NORTH HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SYMETRA LIFE INSURANCE COMPANY | — | $55K | $55K | 3.35% |
| HYLANT GROUP INC3 | 85 CAMPEAU AVENUE NORTHWEST SUITE 100 GRAND RAPIDS, MI 49503 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.20% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET FLOOR 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.84% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | DEARBORN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.48% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET FLOOR 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.28% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.11% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | DEARBORN LIFE INSURANCE COMPANY | $507 | $326 | $833 | 7.94% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | DEARBORN LIFE INSURANCE COMPANY | $233 | — | $233 | 5.28% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(6 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $227K |
| Long-term disability(3 contracts) | DEARBORN LIFE INSURANCE COMPANY | 99 | $40K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,454 | $1.6M |
| Other(6 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,454 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.