Open any plan below to see its carriers, broker commissions and premiums.
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Sponsor portfolioWelfare / HealthEIN 38-1624684
NORTHWOOD UNIVERSITY
4000 WHITING DRIVE · MIDLAND, MI 48640
9898374211
- Plans filed
- 6
- Years active
- 2015–2024
- Industry
- NAICS 61
- Latest filing
- 2024
Total premiums (latest)
$306K
No prior year
Persons covered
371
No prior year
Total participants
1,814
No prior year
Plans filed
6
No prior year
Plans under this sponsor
6 plans
Plan #501$262K
GROUP INSURANCE - LIFE, LONG TERM CARE, LONG TERM DISABILITY, ACCIDENTAL DEATH & DISABILITY
Fully insured360 covered·2 carriers
Primary: SUN LIFE ASSURANCE COMPANY OF CANADA
Plan #508$24K
EYEMED VISION CARE
Fully insured0 covered·1 carrier
Primary: EYEMED VISION CARE
Plan #506$19K
EMERITI RETIREE HEALTH PLAN FOR NORTHWOOD UNIVERSITY
Mixed11 covered·1 carrier
Primary: AETNA LIFE INSURANCE COMPANY
Plan #504$0
CONNECTCARE HEALTH - MEDICAL
Self-funded0 covered·0 carriers
Plan #505$0
CONNECTCARE HEALTH - DENTAL
Self-funded0 covered·0 carriers
Plan #507$0
NORTHWOOD UNIVERSITY - FLEXIBLE SPENDING ACCOUNT
Unknown0 covered·0 carriers
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Life | $217K | 29.3% | |
| Short-term disability | $217K | 29.3% | |
| Long-term disability | $217K | 29.3% | |
| Health | $45K | 6.2% | |
| Vision | $24K | 3.3% | |
| Prescription drug | $15K | 2.0% | |
| Dental | $5K | 0.6% |
Carrier overview
4 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 381082080 | LSTDLTD | $217K | 70.9% | 1 | 1 | 260 |
EIN 010278678 | H | $45K | 14.9% | 1 | 1 | 360 |
EIN 430949844 | V | $24K | 7.9% | 1 | 1 | 0 |
EIN 066033492 | RxD | $19K | 6.3% | 1 | 2 | 11 |
Broker overview
3 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC | CONSHOHOCKEN, PA | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $3K | $38K | 85.0% | 1 |
| LOUIS W. GARL | MIDLAND, MI | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.6% | 1 |
| RSC INSURANCE BROKERAGE INC | BOSTON, MA | EYEMED VISION CARE | $2K | $0 | $2K | 5.4% | 1 |
History & trajectory
10 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan