| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: FIRST INSURANCE GROUP OF THE MIDWES | PO BOX 700 DEFIANCE, OH 43512 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.15% |
| GREENWALD UNDERWRITING ASSOCIATES3 Filed as: GREENWALD UNDERWRITING ASSOCIATION | 5771 MAYFAIR ROAD NORTH CANTON, OH 44720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $257 | $257 | 0.67% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD SUITE 100 NEW CASTLE, PA 16105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 8.67% |
| GREENWALD UNDERWRITING3 | 5771 MAYFAIR ROAD NORTH CANTON, OH 44720 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $915 | — | $915 | 2.41% |
| NORTHWEST WORKSITE MARKETING CORP3 Filed as: NORTHWEST WORKSITE MARKETING G | 1910 INDIANWOOD CIRCLE MAUMEE, OH 43537 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $915 | — | $915 | 2.41% |
| GREENWALD UNDERWRITING ASSOCIATES3 Filed as: GREENWALD UNDERWRITING ASSOCIA | 5771 MAYFAIR ROAD NORTH CANTON, OH 44720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 19.97% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | 511 5TH STREET DEFIANCE, OH 43512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INSGROUP INC3 Filed as: FIRST INS GROUP OF THE MIDWEST INC | 511 5TH STREET DEFIANCE, OH 43512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $405 | — | $405 | 9.99% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 127 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $23K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $38K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 178 | $411K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.