| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $92K | $16K | $107K | 2.70% |
| SHAWAN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE RD STE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $116 | $3K | $3K | 0.07% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $21K | — | $21K | 32.30% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 20.75% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $19K | — | $19K | 39.02% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 21.01% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 38.99% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 20.98% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 19.41% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 13.73% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $4K | $590 | $4K | 14.85% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $124 | — | $124 | 15.03% |
| MASS GROUP MARKETING INC3 | 2185 N GLENVILLE DRIVE RICHARDSON, TX 75082 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | — | $83 | $83 | 10.06% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 524 | $4.0M |
| Dental | COMMUNITY INSURANCE COMPANY | 524 | $4.0M |
| Vision | COMMUNITY INSURANCE COMPANY | 524 | $4.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 426 | $29K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 97 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 0 | $825 |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 524 | $4.0M |
| Other(4 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 426 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.