| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE CO | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 6.90% |
| HUNTINGTON INSURANCE INC3 | 519 MADISON AVE. TOLEDO, OH 43604 | CONSUMERS LIFE INSURANCE COMPANY | $4K | $2K | $5K | 15.94% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET STREET, STE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 17.33% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE | $112 | — | $112 | 1.18% |
| THOMAS W BOSTON3 | 1275 WEST MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE | $3 | — | $3 | 0.03% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE CO | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | EYEMED VISION CARE | $777 | — | $777 | 10.13% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL | 52 | $496K |
| Dental | NATIONAL GUARDIAN LIFE | 56 | $36K |
| Vision | EYEMED VISION CARE | 117 | $8K |
| Life insurance(2 contracts, 2 carriers) | CONSUMERS LIFE INSURANCE COMPANY | 126 | $42K |
| Short-term disability | CONSUMERS LIFE INSURANCE COMPANY | 126 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.