| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST COLUMBUS, OH 43215 | AETNA LIFE INSURANCE CO. | — | $20K | $20K | 0.62% |
| COUGHLIN INSURANCE AGENCY3 Filed as: COUGHLIN INSURANCE COVERAGE LLC | PO BOX 1474 PATASKALA, OH 43062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79K | — | $79K | 13.02% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 15.89% |
| COUGHLIN INSURANCE AGENCY3 | 9000 BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.45% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.53% |
| COUGHLIN INSURANCE AGENCY3 | 9000 BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $771 | — | $771 | 5.19% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 48.01% |
| COUGHLIN INSURANCE AGENCY3 | 9000 E BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 28.65% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $855 | — | $855 | 7.20% |
| COUGHLIN INSURANCE AGENCY3 | 9000 BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $341 | — | $341 | 2.87% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.99% |
| COUGHLIN INSURANCE AGENCY3 Filed as: COUGHLIN INSURANCE | 9000 E BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $703 | — | $703 | 5.99% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.09% |
| COUGHLIN INSURANCE AGENCY3 | 9000 BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $945 | — | $945 | 8.26% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $655 | — | $655 | 7.16% |
| COUGHLIN INSURANCE AGENCY3 | 9000 BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $321 | — | $321 | 3.51% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 43.59% |
| COUGHLIN INSURANCE AGENCY3 | 9000 E BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 25.56% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 3.60% |
| COUGHLIN INSURANCE AGENCY3 | 9000 BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 2.24% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | — | $355 | 10.23% |
| COUGHLIN INSURANCE AGENCY3 | 9000 BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 4.70% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $294 | — | $294 | 12.23% |
| COUGHLIN INSURANCE AGENCY3 | 9000 E BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | — | $162 | 6.74% |
| COUGHLIN INSURANCE AGENCY3 | 9000 E BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 11.68% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210 | — | $210 | 9.40% |
| TROY MATTHEW POOLE3 Filed as: TROY POOLE | 1933 TREEVIEW DR ANTIOCH, TN 37013 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.49% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $262 | — | $262 | 13.39% |
| COUGHLIN INSURANCE AGENCY3 | 9000 E BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 7.82% |
| CHAROLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $645 | — | $645 | 46.67% |
| COUGHLIN INSURANCE AGENCY3 | 9000 E BROAD ST SW PATASKALA, OH 43062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $394 | — | $394 | 28.51% |
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 | 619 | 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) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 597 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $610K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $610K |
| Life insurance(14 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $711K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $610K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $610K |
| Other(15 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 619 | $723K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.