| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $66K | $66K | 3.40% |
| HUNTINGTON INSURANCE INC3 | 41 S HIGH STREET COLUMBUS, OH 43215 | HARTFORD LIFE AND ACCIDENT | $24K | $5K | $29K | 15.48% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE, INC - KRISTIN | 7 EASTON OVAL COLUMBUS, OH 43219 | DELTA DENTAL OF OHIO | $4K | $180 | $4K | 3.27% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE, INC - KRISTIN | 37 W BROAD ST COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $2K | — | $2K | 1.55% |
| HUNTINGTON INSURANCE INC3 | L-4238 COLUMBUS, OH 43260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 22.50% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S. CHURCH STREET BOWLING GREEN, OH 43402 | EYEMED VISION CARE | $1K | — | $1K | 10.01% |
| HUNTINGTON INSURANCE INC4 | 37 WEST BROAD ST COLUMBUS, OH 43215 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $740 | — | $740 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC4 | PO BOX 37 DAYTON, OH 45401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 0.39% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 210 | $2.0M |
| Dental | DELTA DENTAL OF OHIO | 338 | $137K |
| Vision | EYEMED VISION CARE | 334 | $13K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 213 | $188K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 213 | $188K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 213 | $188K |
| Prescription drug(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 36 | $69K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 213 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.