| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $160 | $5K | 3.88% |
| JOYCE F. BALLASH3 Filed as: JOYCE F BALLASH | 6624 EMBASSY CT BOX 949 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.92% |
| D STEVEN SMELCER3 | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.80% |
| DAN YAARY3 | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $6 | $138 | 0.10% |
| DEBRA TORRES3 Filed as: DEBRA K TORRES | 3360 ADA RD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.09% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 1205 LOUISIANA AVE STE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.09% |
| KELLY BASHAM3 | 1901 N COOL RD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.08% |
| D STEVEN SMELCER3 | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $6K | — | $6K | 10.22% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $5K | $412 | $5K | 9.46% |
| JOYCE F. BALLASH3 Filed as: JOYCE F BALLASH | 6624 EMBASSY CT BOX 949 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $4K | — | $4K | 7.02% |
| DEBRA TORRES3 Filed as: DEBRA K TORRES | 3360 ADA RD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 1205 LOUISIANA AVE STE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $50 | — | $50 | 0.09% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC | PO BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 6.39% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | PO BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $639 | $6K | 18.10% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $42 | $1K | 3.69% |
| JOYCE F. BALLASH3 Filed as: JOYCE F BALLASH | 6624 EMBASSY CT BOX 949 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.46% |
| D STEVEN SMELCER3 | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $538 | — | $538 | 1.76% |
| DEBRA TORRES3 Filed as: DEBRA K TORRES | 3360 ADA RD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.08% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 1205 LOUISIANA AVE STE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| KELLY BASHAM3 | 1901 N COOL RD LIMA, OH 45801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND CO. INC. | P.O.BOX 1801 ADRIAN, MI 492217801 | VISION SERVICE PLAN | $1K | — | $1K | 5.08% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIAWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | $39 | $567 | 7.28% |
| D STEVEN SMELCER3 | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | — | $431 | 5.53% |
| JOYCE F. BALLASH3 Filed as: JOYCE F BALLASH | 6624 EMBASSY CT BOX 949 MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 4.53% |
| DEBRA TORRES3 Filed as: DEBRA K TORRES | 3360 ADA RD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.64% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES INC | 1205 LOUISIANA AVE STE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.30% |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 184 | $27K |
| Life insurance(5 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 302 | $278K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 118 | $225K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $53K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 513 | $537K |
| Other(6 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 302 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
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.