| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINTON INSURANCE INC | 121 N MARKET ST WOOSTER, OH 44691 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 6.38% |
| HUNTINGTON INSURANCE INC3 | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 9.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CHARLES DAVE BROWN | 1335 CENTRAL AVE ASHLAND, KY 41101 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 4.71% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | KANAWHA INSURANCE COMPANY | $3K | — | $3K | 10.49% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | KANAWHA INSURANCE COMPANY | $848 | — | $848 | 3.21% |
| MEDLINK INC3 Filed as: MEDLINK INC- ENROLLMENT SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | KANAWHA INSURANCE COMPANY | $419 | — | $419 | 1.59% |
| HUMANA MARKETPOINT INC3 | 500 W MAIN NCT 28 LOUISVILLE, KY 40202 | KANAWHA INSURANCE COMPANY | $367 | — | $367 | 1.39% |
| HUNTINGTON INSURANCE INC3 | 121 N. MARKET ST SUITE 600 WOOSTER, OH 44691 | KANAWHA INSURANCE COMPANY | $112 | — | $112 | 0.42% |
| HUNTINGTON INSURANCE INC3 | 121 N. MARKET ST SUITE 600 WOOSTER, OH 44691 | ALLSTATE WORKPLACE DIVISION | $4K | — | $4K | 15.00% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD STREET 7TH FLOOR COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $2K | $300 | $3K | 12.02% |
| HUNTINGTON INSURANCE INC3 | 121 N. MARKET ST SUITE 600 WOOSTER, OH 44691 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 44.06% |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE INSURANCE COMPANY | 56 | $61K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $206K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 373 | $206K |
| Life insurance(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 496 | $49K |
| Long-term disability | KANAWHA INSURANCE COMPANY | 499 | $29K |
| Other(4 contracts, 4 carriers) | KANAWHA INSURANCE COMPANY | 496 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.