| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $37K | $71 | $37K | 3.90% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | $11K | $55K | 18.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $8K | $45K | 18.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $7K | $37K | 18.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $13K | — | $13K | 10.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3945 W ATLANTIC AVENUE DELRAY BEACH, FL 33445 | ACE AMERICAN INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 18.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $247 | — | $247 | 9.79% |
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 | 1,145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,857 | $941K |
| Vision(2 contracts) | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,483 | $134K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,651 | $292K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,144 | $200K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,146 | $241K |
| Other(2 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 1,146 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,857 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.