| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO RD SUITE 200W BOCA RATON, OH 33431 | NEIGHBORHOOD HEALTH PARTNERSHIP | $0 | $33K | $33K | 5.43% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 3945 WEST ATLANTIC AVENUE DELRAY BEACH, FL 33445 | METROPOLITAN LIFE INSUSRANCE COMPANY | $0 | $26 | $26 | 0.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE INC | PO BOX 632886 CINCINNATI, OH 45263 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | $15 | $2K | 10.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICES, | P.O. BOX 632886 CINCINNATI, OH 452632886 | EYEMED VISION CARE | $991 | — | $991 | 10.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | MUTUAL OF OMAHA INSURANCE COMPANY | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | COMPANION LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | P.O. BOX 632886 CINCINNATI, OH 452632886 | PREFERRED LEGAL PLAN | $1K | — | $1K | 29.32% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | MUTUAL OF OMAHA INSURANCE COMPANY | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | MUTUAL OF OMAHA INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 158 | $717K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSUSRANCE COMPANY | 173 | $61K |
| Vision | EYEMED VISION CARE | 150 | $10K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 20 | $4K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 20 | $3K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 20 | $5K |
| Other(2 contracts, 2 carriers) | PREFERRED LEGAL PLAN | 34 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.