| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | $23K | $62K | 9.22% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 121 NORTH MARKET STREET WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.19% |
| KATHERINE ROSE LANG3 | 21617 HALWORTH ROAD SHAKER HEIGHTS, OH 44122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| A C LONG & ASSOCIATES INC3 Filed as: A.C. LONG AND ASSOCIATES | 1113 MEDINA RD MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485 | — | $485 | 0.88% |
| MARTHA A HUFFMAN3 | 394 CLEVELAND ROAD APT 21E NORWALK, OH 44857 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | — | $193 | 0.35% |
| MICHELLE L DAVIS3 | 68 CHELMSFORD DRIVE AURORA, OH 44202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | — | $186 | 0.34% |
| JOHN D SUSIE3 Filed as: JOHN SUSIE | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.27% |
| RUBLE & ASSOCIATES LLC3 Filed as: RUBLE & ASSOCIATES | 3769 PROSPECT ROAD NEW LONDON, OH 44851 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.25% |
| ALBERT WAITMAN JR3 | 503 CAMP ST SANDUSKY, OH 44870 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.22% |
| MARC J HAIRE3 Filed as: MARC HAIRE | 9885 GREENHAVEN PARKWAY BRECKSVILLE, OH 44141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.16% |
| PAUL D QUILLIN3 | 955 WINDHAM COURT YOUNGSTOWN, OH 44512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.16% |
| TERRI L CAMPBELL3 Filed as: TERRI CAMPBELL | 1133 MEDINA RD MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.12% |
| JOHNNY HENSLEY JR3 | 9465 RIVERA DRIVE UNION, KY 41091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.11% |
| HARE AND ASSOCIATES LLC3 Filed as: HARE AND ASSOCIATES | 470 OLDE WORTHINGTON RD WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| AMBER M OPPMAN3 | 3725 MEDINA ROAD SUITE 113 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| DARREN D RIDDLE3 Filed as: DARREN BRUNO | 7542 STONE LAKE RD DUBLIN, OH 43016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| TJH CONSULTANTS LLC3 | 2720 BRIARWO OD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MARKUS MUELLER3 | 633 NE MUSKRAT RUN PORT ST LUCIE, FL 34983 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| TERRI PEASE3 Filed as: TERRI L PEASE | 414 OAK STREET WADSWORTH, OH 44281 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SHAWN HEITNER3 | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 246 | $55K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,353 | $674K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,353 | $674K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,353 | $674K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,353 | $674K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,353 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,353 | — |
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.