| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.89% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD ST 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.55% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET 6TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.98% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HUNTINGTON INSURANCE INC3 | 121 NORTH MARKET ST STE 6 WOOSTER, OH 44691 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 9.97% |
| KATHERINE ROSE LANG3 Filed as: KATHERINE R LANG | 21617 HALWORTH RD SHAKER HEIGHTS, OH 44122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.10% |
| JOHN D SUSIE3 | 8682 HAWICK CT N DUBLIN, OH 43017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $400 | — | $400 | 0.85% |
| MICHELLE L DAVIS3 Filed as: MICHELLE DAVIS | 68 CHELMSFORD DR AURORA, OH 44202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $185 | — | $185 | 0.39% |
| A C LONG & ASSOCIATES INC3 Filed as: A.C. LONG & ASSOCIATES INC | 1113 MEDINA RD SUITE 500 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | — | $176 | 0.37% |
| TERRI L CAMPBELL3 Filed as: TERRI CAMPBELL | 1133 MEDINA RD MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $167 | — | $167 | 0.36% |
| TJH CONSULTANTS LLC3 | 2720 BRIARWOOD CT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 0.23% |
| CHARLES HUGH MACKAY3 Filed as: CHARLES MACKAY | 2383 S MAIN ST AKRON, OH 44319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.09% |
| SHAWN HEITNER3 | 3602 GLENCAIRN RD SUITE 500 SHAKER HEIGHTS, OH 44122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.06% |
| AMBER M OPPMAN3 | 3725 MEDINA RD SUITE 113 MEDINA, OH 44256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| PAUL D QUILLIN3 | 3144 MEANDERWOOD DR CANFIELD, OH 44406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.48% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.91% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 78.08% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $80K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 323 | $29K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 342 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 312 | $71K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $27K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 199 | $216K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 342 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.