| 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 | HARTFORD LIFE AND ACCIDENT | $15K | $8K | $23K | 2.34% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF OHIO | $20K | — | $20K | 2.91% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 16.79% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | L-4238 COLUMBUS, OH 43260 | VISION SERVICE PLAN | $3K | — | $3K | 2.37% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 9.60% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $445 | — | $445 | 8.60% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $270 | — | $270 | 24.70% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 16.67% |
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 | 1,155 | 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) | 1,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 1,966 | $686K |
| Vision | VISION SERVICE PLAN | 808 | $124K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,155 | $1.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,155 | $975K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,155 | $975K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,155 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,966 | — |
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.