| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106K | $39K | $145K | 19.12% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.06% |
| NORTHWEST ENROLLX LLC3 | 7656 TWP RD 94 FINDLAY, OH 45840 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $15K | $15K | 1.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $91K | $27K | $118K | 23.35% |
| NORTHWEST ENROLLX LLC3 | 7656 TWP RD 94 FINDLAY, OH 45840 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 2.02% |
| NORTHWEST WORKSITE MARKETING CORP3 | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 1.98% |
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 | 5,874 | 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) | 5,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,920 | $757K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,920 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.