| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINTON INSURANCE INC | 440 POLARIS PKWY WESTERVILLE, OH 43082 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $49K | $52K | 3.60% |
| HUNTINGTON INSURANCE INC3 | 440 POLARIS PKWY WESTERVILLE, OH 43082 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 6.97% |
| HUNTINGTON INSURANCE INC3 | 440 POLARIS PKWY WESTERVILLE, OH 43082 | COMPANION LIFE INSURANCE | $4K | — | $4K | 10.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES DAVE BROWN | 1335 CENTRAL AVE ASHLAND, KY 41101 | COMPANION LIFE INSURANCE | $2K | — | $2K | 5.26% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | KANAWHA INSURANCE COMPANY | $753 | — | $753 | 4.36% |
| HUMANA MARKETPOINT INC3 Filed as: HUMANA MARKETPOINT | 500 W MAIN 7TH FL LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $352 | — | $352 | 2.04% |
| MEDLINK INC3 Filed as: MEDLINK INC-ENROLLMENT SERVICE | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $197 | — | $197 | 1.14% |
| HUNTINGTON INSURANCE INC3 | 221 CHURCH ST BOWLING GREEN, OH 43402 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| HUNTINGTON INSURANCE INC3 | 220 MARKET AVE S 4TH FL CANTON, OH 44702 | KANAWHA INSURANCE COMPANY | $159 | — | $159 | 0.93% |
| HUNTINGTON INSURANCE INC3 | 121 MARKET ST SUITE 600 WOOSTER, OH 44691 | ALLSTATE WORKPLACE DIVISION | $1K | — | $1K | 15.00% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 560 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $162K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $162K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 560 | $1.5M |
| Short-term disability | KANAWHA INSURANCE COMPANY | 23 | $17K |
| Long-term disability | KANAWHA INSURANCE COMPANY | 367 | $17K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 40 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.