| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHWEST GROUP SERVICES, INC.3 Filed as: NORTHWEST GROUP SERVICES INC | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | ZURICH NORTH AMERICAN INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILLIAM H. MEYER AGENCY, INC.3 | 1660 NW PROFESSIONAL PLZ, STE J COLUMBUS, OH 432203854 | DELTA DENTAL PLAN OF OHIO | $8K | — | $8K | 2.99% |
| NW WORKSITE MKTG CORP3 | 1910 INDIANWOOD CIRCLE SUITE 101 MAUMEE, OH 43537 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 16.19% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING GROUP | 1910 INDIAN WOOD CIRCLE SUITE 101 MAUMEE, OH 43537 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $470 | — | $470 | 3.26% |
| WILLIAM H. MEYER AGENCY, INC.3 | 1660 NW PROFESSIONSL PLAZA, STE J COLUMBUS, OH 432203854 | VISION SERVICE PLAN | — | — | $0 | — |
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 | 530 | 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) | 530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF OHIO | 1,033 | $274K |
| Vision | VISION SERVICE PLAN | 359 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $248K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 5 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $248K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 517 | $652K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.