| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONARD INSURANCE SERVICES AGENCY3 Filed as: LEONARD INSURANCE | PO BOX 9160 CANTON, OH 44711 | AULTCARE INSURANCE COMPANY | $28K | — | $28K | 8.24% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S. CHURCH ST. BOWLING GREEN, OH 43402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S CHRUCH ST BOWLING GREEN, OH 434022816 | VISION SERVICE PLAN | $1K | — | $1K | 5.05% |
| LEONARD INS SVCS AGCY INC3 | 4244 MT PLEASANT ST NW #200 NORTH CANTON, OH 44720 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 9.52% |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 192 | $25K |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 356 | $159K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 315 | $143K |
| Stop-loss / reinsurancereinsurance | AULTCARE INSURANCE COMPANY | 727 | $345K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 356 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.