| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVS INC | PO BOX 632886 CINCINNATI, OH 45263 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $84K | $50K | $134K | 16.32% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | DELTA DENTAL OF ARIZONA | $27K | — | $27K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 452632886 | VISION SERVICE PLAN | $7K | — | $7K | 4.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC. | 700 WEST 47TH STREET SUITE 1100 KANSAS, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | — | $40K | 32.87% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC | AN AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.74% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGI, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | — | $518 | 0.42% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY 897 HAMMONTON, NJ 080371363 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 11.24% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC. | 700 WEST 47THE STREET SUITE 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $314 | $3K | 8.72% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF MASSACHUSE | 53 STATE STREET BOSTON, MA 02109 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $55 | $55 | 0.17% |
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 | 1,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 309 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 925 | $668K |
| Vision | VISION SERVICE PLAN | 895 | $170K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,736 | $818K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,736 | $818K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,736 | $818K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,736 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,736 | — |
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.