| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | HM INSURANCE | — | $27K | $27K | 8.98% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 3.41% |
| THE ROMIG AGENCY INC3 | PO BOX 112 316 EAST 3RD STREET UHRICHSVILLE, OH 44683 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.90% |
| THE ROMIG AGENCY INC3 | PO BOX 112 316 EAST 3RD STREET UHRICHSVILLE, OH 44683 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 14.97% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 434022816 | VISION SERVICE PLAN | $1K | — | $1K | 4.84% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE | 151 | $109K |
| Vision | VISION SERVICE PLAN | 158 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $97K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $97K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE | 169 | $305K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.