| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $6K | $21K | 4.24% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 2.80% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $865 | $6K | 3.71% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 18.89% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $421 | $13K | 15.50% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $383 | $4K | 4.95% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $2K | — | $2K | 2.97% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $67 | $2K | 15.50% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST SUITE 600 COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $862 | — | $862 | 39.60% |
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 | 904 | 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) | 904 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 583 | $487K |
| Vision | VISION SERVICE PLAN | 489 | $70K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 904 | $74K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 880 | $199K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 880 | $167K |
| Other(5 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 904 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 904 | — |
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.