| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES3 | — | BARDON INSURANCE | — | $111K | $111K | 17.62% |
| TARTAN INSURANCE AGENCY3 | — | BARDON INSURANCE | $41K | — | $41K | 6.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $4K | $21K | 11.55% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.67% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $708 | — | $708 | 2.38% |
| HUNTINGTON INSURANCE INC3 | 41 SOUTH HIGH ST 6TH FLOOR COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 22.90% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $341 | — | $341 | 1.35% |
| EISEL SOLUTIONS LLC3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| HUNTINGTON INSURANCE INC3 | 41 SOUTH HIGH ST 6TH FL COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $525 | — | $525 | 5.46% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | — | $247 | 2.57% |
| HUNTINGTON INSURANCE INC3 | 41 SOUTH HIGH STREET 6TH FLOOR COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $609 | — | $609 | 10.32% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 1.24% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $247K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $186K |
| Stop-loss / reinsurancereinsurance | BARDON INSURANCE | 317 | $630K |
| Other(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.