| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $59 | $4K | 3.19% |
| JOYCE F. BALLASH3 | 6624 EMBASSY COURT MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.53% |
| D STEVEN SMELCER3 Filed as: D. STEVEN SMELCER | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.42% |
| DAN YAARY3 Filed as: DAN YEARY | 1910 INDIAN WOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $13 | $310 | 0.27% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 1205 LOUISIANA AVENUE SUITE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.09% |
| DEBRA TORRES3 Filed as: DEBRA K. TORRES | 3360 ADA ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.05% |
| HEALTHCARE REFORM ALTERNATIVES LLC3 | 2706 BAR HARBOUR COURT LEWIS CENTER, OH 43035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $6 | $11 | 0.01% |
| JAMES D THOMAS3 Filed as: JAMES D. THOMAS | 5451 ST. ANDREWS DRIVE WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | P.O. BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 6.25% |
| D STEVEN SMELCER3 Filed as: D. STEVEN SMELCER | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.22% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $134 | $3K | 5.84% |
| JOYCE F. BALLASH3 | 6624 EMBASSY COURT MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.98% |
| DEBRA TORRES3 Filed as: DEBRA K. TORRES | 3360 ADA ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.35% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 1205 LOUISIANA AVENUE SUITE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK & COMPANY INC. | P.O. BOX 1801 ADRIAN, MI 49221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $875 | $7K | 15.83% |
| KAPNICK & COMPANY, INC.3 Filed as: KAPNICK AND CO. INC. | P.O. BOX 1801 ADRIAN, MI 492217801 | VISION SERVICE PLAN | $1K | — | $1K | 4.50% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $9 | $756 | 2.80% |
| JOYCE F. BALLASH3 | 6624 EMBASSY COURT MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $615 | — | $615 | 2.28% |
| D STEVEN SMELCER3 Filed as: D. STEVEN SMELCER | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | — | $411 | 1.52% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 1205 LOUISIANA AVENUE SUITE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $286 | $5 | $291 | 2.92% |
| D STEVEN SMELCER3 Filed as: D. STEVEN SMELCER | 7676 MEHAFFEY ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 2.35% |
| JOYCE F. BALLASH3 | 6624 EMBASSY COURT MAUMEE, OH 43537 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 2.32% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 1205 LOUISIANA AVENUE SUITE 441 PERRYSBURG, OH 43552 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.26% |
| DEBRA TORRES3 Filed as: DEBRA K. TORRES | 3360 ADA ROAD LIMA, OH 45801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 202 | $32K |
| Life insurance(6 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 318 | $309K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 111 | $202K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $60K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 318 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.