| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MUTUAL HEALTH SERVICES5 | PO BOX 5700 CLEVELAND, OH 44101 | HM LIFE INSURANCE | — | $117K | $117K | 37.59% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS AGENCY | 220 PERRY STREET SUITE 200 FOSTORIA, OH 44830 | HM LIFE INSURANCE | $17K | — | $17K | 5.55% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS AGENCY | PO BOX 906 FOSTORIA, OH 44830 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.99% |
| GREENWALD UNDERWRITING ASSOCIATES3 Filed as: GREENWALD UNDERWRITING ASSOCIATION | 5771 MAYFAIR ROAD NORTH CANTON, OH 44720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $302 | $302 | 0.80% |
| LAYNE FINANCIAL INC3 | 315 GREEN RIDGE ROAD H-1 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.85% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.07% |
| GREENWALD UNDERWRITING3 | 5771 MAYFAIR ROAD NORTH CANTON, OH 44720 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.07% |
| GREENWALD UNDERWRITING ASSOCIATES3 Filed as: GREENWALD UNDERWRITING ASSOCIATION | 5771 MAYFAIR ROAD NORTH CANTON, OH 44720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.87% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS AGENCY INC | 220 PERRY STREET SUITE 200 FOSTORIA, OH 44830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $392 | $88 | $480 | 2.40% |
| CORPORATE ONE BENEFITS3 Filed as: CORPORATE ONE BENEFITS AGENCY INC | 220 PERRY STREET SUITE 200 FOSTORIA, OH 44830 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $324 | $3K | 17.03% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 118 | $57K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $36K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $38K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE | 206 | $313K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.