| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $104K | — | $104K | 12.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $7K | $26K | 7.14% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | $3K | $25K | 17.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $2K | — | $2K | 2.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $1K | $11K | 14.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | VISION SERVICE PLAN | $988 | — | $988 | 2.23% |
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 | 758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,004 | $857K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,135 | $568K |
| Vision(2 contracts) | VISION SERVICE PLAN | 686 | $120K |
| Life insurance(4 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,224 | $691K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,224 | $469K |
| Long-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,224 | $469K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,004 | $857K |
| Other(4 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 2,224 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.