| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | AULTCARE INSURANCE COMPANY | $23K | — | $23K | 3.04% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | MEDMUTUAL LIFE INSURANCE COMPANY | $6K | $3K | $10K | 14.12% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $3K | $818 | $4K | 7.32% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 16.57% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | — | $105 | 0.49% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.22% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| THOMAS W BOSTON3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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) | AULTCARE INSURANCE COMPANY | 85 | $770K |
| Dental | COMMUNITY INSURANCE COMPANY | 98 | $58K |
| Vision | COMMUNITY INSURANCE COMPANY | 98 | $58K |
| Life insurance(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 172 | $89K |
| Short-term disability(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 172 | $89K |
| Prescription drug | AULTCARE INSURANCE COMPANY | 85 | $770K |
| Other(2 contracts, 2 carriers) | MEDMUTUAL LIFE INSURANCE COMPANY | 172 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.