| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HEALTHPARTNERS INSURANCE COMPANY | — | $23K | $23K | 2.16% |
| ZENEFITS FTW INSURANCE SERVICE3 Filed as: ZENEFITS FTW INSURANCE SERVICES | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | HEALTHPARTNERS INSURANCE COMPANY | — | $15K | $15K | 1.39% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF MINNESOTA | $5K | — | $5K | 6.78% |
| ZENEFITS FTW INSURANCE SERVICE3 Filed as: ZENEFITS FTW INSURANCE SERVICES | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | DELTA DENTAL OF MINNESOTA | $3K | — | $3K | 3.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.97% |
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE INC. | 303 2ND STREET SUITE 401 N TOWER SAN FRANCISCO, CA 94107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $245 | $1K | 4.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $361 | $361 | 1.19% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS INSURANCE COMPANY | 201 | $1.0M |
| Dental | DELTA DENTAL OF MINNESOTA | 161 | $76K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $30K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.