| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $50K | $92K | 4.79% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39K | $25K | $64K | 6.55% |
| BENEFITSTORE INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $151K | $1K | $152K | 48.54% |
| BENEFITSTORE INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $104K | $742 | $105K | 46.60% |
| ANTHEM INSURANCE COMPANIES, INC.0 Filed as: ANTHEM INSURANCE COMPANIES, INC | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 462044903 | FOUR EVER LIFE INS CO. | — | $45 | $45 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PBM | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $9.0M |
| ARCHIMEDES, LLC EIN 81-1158028 NONE | Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $5.7M |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $2.4M |
| AMERIBEN / IEC GROUP EIN 82-0497661 THIRD PARTY ADMINISTRATOR | Claims processing Service code 12 | — | $1.9M |
| METROPOITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $246K |
| CONTINENTAL BENEFITS EIN 38-3919227 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $164K |
| AETNA LIFE INSURANCE EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $39K |
| CLEARHEALTH STRATEGIES, LLC EIN 27-1374374 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $36K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $14K |
| ACCESS HEALTH NET, LLC EIN 47-1597670 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $5K |
| PHIA GROUP EIN 46-1439866 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $2K |
| MD LIVE EIN 45-4937055 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $970 |
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 | 10,163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,358 | $542K |
| Vision(2 contracts) | VISION SERVICE PLAN | 7,076 | $1.5M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,309 | $1.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,458 | $976K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,309 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.