| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $99K | — | $99K | 2.38% |
| SHAWAN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE RD STE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $283 | $1K | $1K | 0.03% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $13K | — | $13K | 17.76% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 15.44% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 12.23% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 6.58% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 15.49% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 8.33% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 17.70% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 12.42% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 12.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 SOUTH CHURCH BOWLING GREEN, OH 43402 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 10.18% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 13.44% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,021 | $4.2M |
| Dental | COMMUNITY INSURANCE COMPANY | 1,021 | $4.2M |
| Vision | COMMUNITY INSURANCE COMPANY | 1,021 | $4.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 416 | $26K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 1,021 | $4.2M |
| Other(6 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 416 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.