| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 220 MARKET AVE S. CANTON, OH 44702 | HCC LIFE INSURANCE COMPANY | $38K | — | $38K | 11.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MUTUAL HEALTH SERVICES EIN 34-0648820 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2060 EAST NINTH STREET CLEVELAND, OH 44115 | $142K |
| DAVISON & GREENE EIN 34-1933093 LEGAL | Legal Service code 29 | 1900 W MARKET STREET AKRON, OH 44313 | $27K |
| APPLE GROWTH PARTNERS EIN 34-1082617 AUDITORS | Accounting (including auditing) Service code 10 | 1540 W MARKET STREET AKRON, OH 44314 | $14K |
| MICHELLE MOSS ACCOUNTING | Accounting (including auditing) Service code 10 | 334 FOURTEENTH STREET SW MASSILLON, OH 44647 | $10K |
| HEALTHCARE STRATEGIES EIN 52-1874471 DISEASE MANAGEMENT | Other fees Service code 99 | — | $5K |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRINCIPAL LIFE INSURANCE | 205 | $40K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 205 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.