| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | ONE OAKBROOK TERRACE SUITE 500 OAKBROOK TERRACE, IL 60181 | NATIONAL GUARDIAN LIFE | $4K | — | $4K | 10.40% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | AULTCARE | $5K | — | $5K | 16.22% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | — | $438 | 3.58% |
| PIPES INSURANCE SERVICE LTD3 Filed as: PIPES INSURANCE SERVICE | 442 WEST HIGH AVENUE NEW PHILADELPHIA, OH 44663 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | — | $384 | 3.14% |
| JOSHUA T JONES3 | 25 GARFIELD LANE STREAMWOOD, IL 60107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $244 | $302 | 2.47% |
| DAVID TODD WEINSTEIN3 | 601 WEST JACKSON BOULEVARD UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $119 | $216 | 1.77% |
| MESIROW INSURANCE SERVICES INC3 | 350 NORTH CLARK STREET CHICAGO, IL 60610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 1.29% |
| SHERRIE LYNN BUCHANAN3 | 815 SAVANNAH DRIVE COLUMBUS, OH 43228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $34 | $130 | 1.06% |
| DIANA RAUCH3 | 2914 WEST CASE ROAD DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $39 | $123 | 1.01% |
| REBECCA STERNBERG3 | 374 MILFORD ROAD DEERFIELD, IL 60015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $8 | $69 | 0.56% |
| MARK CHRISTOPHER MOTZ3 | 55 EPERNAY AVENUE PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $19 | $68 | 0.56% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.54% |
| LISA R CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.05% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| MESIROW INSURANCE SERVICES INC3 | ONE OAKBROOK TERRACE OAKBROOK TERRACE, IL 60181 | ONEAMERICA | $448 | — | $448 | 10.10% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE | 71 | $42K |
| Vision | NATIONAL GUARDIAN LIFE | 71 | $42K |
| Life insurance | ONEAMERICA | 180 | $4K |
| Long-term disability | ONEAMERICA | 180 | $4K |
| Stop-loss / reinsurancereinsurance | AULTCARE | 233 | $31K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 180 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.