| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 37 W BROAD ST FL 7 COLUMBUS, OH 43215 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $1K | $14K | 11.78% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.71% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| COVEY RUN INSURANCE LLC3 | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BOSTON THOMAS W3 | 1275 W MAPLE ST HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 21.57% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $533 | — | $533 | 2.45% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.23% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301 | — | $301 | 1.54% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 23.25% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $103 | — | $103 | 2.30% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 4.83% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $180K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $123K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $123K |
| Other(6 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.