| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC - | PO BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $89K | — | $89K | 0.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 3.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | — | $8K | $8K | 2.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 8.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 3.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 3.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ INSURANCE SERVICES INC | 1001 CONSHOHOCKEN STATE RD STE 2-600 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 17.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 100 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ INSURANCE SERVICES INC | 1001 CONSHOHOCKEN STATE RD STE 2-600 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $949 | $5K | 21.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ INSURANCE SERVICES INC | 1001 CONSHOHOCKEN STATE RD STE 2-600 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $823 | $5K | 21.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 11.14% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | UNUM INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | — | $439 | $439 | 3.36% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSRUANCE SERV | 2421 ATLANTIC AVE MANASQUAN, NJ 08736 | UNUM INSURANCE COMPANY | $1K | — | $1K | 12.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | — | $463 | $463 | 5.00% |
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 | 492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 895 | $9.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 895 | $9.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 895 | $9.4M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 492 | $386K |
| Short-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 492 | $418K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 492 | $312K |
| Other(5 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 492 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 895 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.