| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SERVICES | 1601 TIFFIN AVE FINDLAY, OH 45840 | MEDICAL MUTUAL | $48K | — | $48K | 1.68% |
| HUSTON FINANCIAL SERVICES INC3 | 1601 TIFFIN AVE FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.29% |
| HUSTON FINANCIAL SERVICES INC3 Filed as: HUSTON FINANCIAL SEVICES AGCY INC | 1601 TIFFIN AVENUE FINDLAY, OH 45840 | MEDMUTUAL LIFE | $811 | — | $811 | 11.83% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 128 | $2.9M |
| Dental | MEDICAL MUTUAL | 128 | $2.9M |
| Vision | MEDICAL MUTUAL | 128 | $2.9M |
| Life insurance | MEDMUTUAL LIFE | 209 | $7K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $162K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $162K |
| Prescription drug | MEDICAL MUTUAL | 128 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.