| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | — | $18K | 4.97% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.14% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.27% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $2K | — | $2K | 3.52% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST SUITE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 53.37% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST SUITE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 55.10% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST SUITE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $556 | — | $556 | 51.96% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST SUITE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 50.00% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 129 | $20K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 531 | $362K |
| Vision | VISION SERVICE PLAN | 430 | $55K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $92K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 579 | $132K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 579 | $76K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 634 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.