| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 | 221 CHURCH ST BOWLING GREEN, OH 43402 | COMMUNITY INSURANCE COMPANY | $51K | $1K | $52K | 2.95% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST WOOSTER, OH 44691 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 4.25% |
| HUNTINGTON INSURANCE INC3 | 440 POLARIS PKWY WESTERVILLE, OH 43082 | COMPANION LIFE INSURANCE | $5K | — | $5K | 10.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES DAVE BROWN | 1335 CENTRAL AVENUE ASHLAND, KY 41101 | COMPANION LIFE INSURANCE | $2K | — | $2K | 5.01% |
| MEDLINK INC3 Filed as: MEDLINK INC - ENROLLMENT SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | HUMANA | $749 | — | $749 | 2.50% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | HUMANA | $678 | — | $678 | 2.26% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST STE 600 WOOSTER, OH 44691 | HUMANA | $412 | — | $412 | 1.37% |
| HUMANA MARKETPOINT INC3 | 500 W MAIN NCT28 LOUISVILLE, KY 40202 | HUMANA | $334 | — | $334 | 1.11% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | ANTHEM LIFE INSURANCE COMPANY | $2K | $814 | $3K | 12.21% |
| HUNTINGTON INSURANCE INC3 | 221 CHURCH STREET BOWLING GREEN, OH 43402 | HUMANA | $3K | $100 | $3K | 11.41% |
| HUNTINGTON INSURANCE INC3 | 121 N MARKET ST SUITE 600 WOOSTER, OH 44691 | ALLSTATE BENEFITS | $3K | — | $3K | 14.95% |
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 | 468 | 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) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 547 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $188K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $188K |
| Life insurance(2 contracts, 2 carriers) | HUMANA | 468 | $57K |
| Long-term disability | HUMANA | 436 | $25K |
| Other(2 contracts, 2 carriers) | HUMANA | 55 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.