| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 310 GRANT ST PITTSBURGH, PA 15219 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $48K | $51K | 2.48% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 37 W BROAD ST #1100 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 1.21% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $1K | $16K | 10.37% |
| MARSHBERRY CONNECT PLATFORM LLC3 Filed as: MARSHBERRY CONNECT PLATFORM | 28601 CHAGRIN BLVD STE 400 WOODMERE, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | — | $599 | $599 | 0.40% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 23.69% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.86% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $150K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $150K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $150K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 319 | $150K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $2.1M |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 46 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.