| 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 | $15K | $3K | $18K | 12.17% |
| MARSHBERRY CONNECT PLATFORM LLC3 | 28601 CHAGRIN BLVD STE 400 WOODMERE, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | — | $628 | $628 | 0.43% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.07% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $910 | — | $910 | 2.56% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | — | $359 | 1.59% |
| MICHAEL T EISEL3 | 1318 LOGAN LANE WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $940 | — | $940 | 8.44% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $286 | — | $286 | 2.57% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST COLUMBUS, OH 43215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $398 | — | $398 | 9.09% |
| THE KARZMER INSURANCE AGENCY3 | 725 BOARDMAN CANFIELD RD SUITE K1 BOARDMAN, OH 44512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 1.69% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $220K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $146K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $146K |
| Other(5 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.