| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | DELTA DENTAL OF OHIO | $4K | — | $4K | 10.11% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 24.50% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 15.78% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 22.75% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $975 | — | $975 | 8.90% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 35.00% |
| BRANDON PENKO3 Filed as: BRANDON T PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $779 | — | $779 | 7.95% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE - COLUMBUS, OH | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | EYEMED VISION CARE | $1K | — | $1K | 11.62% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | EYEMED VISION CARE | $76 | — | $76 | 0.83% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 146 | $37K |
| Vision | EYEMED VISION CARE | 123 | $9K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 155 | $73K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 155 | $64K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 155 | $64K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 91 | $484K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 155 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
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.