| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 118E BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 2.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 118E BOCA RATON, FL 33431 | HEALTH OPTIONS | $5K | — | $5K | 2.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 721 EMERSON ROAD STE. 400 SAINT LOUIS, MO 63141 | GUARDIAN | $5K | $1K | $6K | 8.69% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIAN | $2K | — | $2K | 3.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.90% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.32% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $1K | $6K | 19.91% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 5.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $975 | $4K | 20.09% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $599 | $3K | 18.93% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $556 | $556 | 3.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3945 W ATLANTIC AVENUE DELRAY BEACH, FL 33445 | USABLE LIFE | $2K | — | $2K | 11.98% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $440 | $175 | $615 | 20.95% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $94 | $94 | 3.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | P.O. BOX 632886 CINCINNATI, OH 452632886 | PREFERRED LEGAL PLAN | $374 | — | $374 | 13.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $101 | $38 | $139 | 20.56% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $22 | $22 | 3.25% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $933K |
| Dental | GUARDIAN | 131 | $71K |
| Vision | GUARDIAN | 131 | $71K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $67K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $20K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 28 | $32K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 100 | $933K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.