| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | — | $101K | 0.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | 2255 GLADES RD, STE 321A BOCA RATON, FL 334317383 | KAISER FOUNDATION HEALTH PLAN INC. | $42K | — | $42K | 0.46% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | 2255 GLADES RD, STE 321A BOCA RATON, FL 334317383 | KAISER FOUNDATION HEALTH PLAN INC. | $40K | — | $40K | 0.47% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $337K | $562K | $899K | 11.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | P.O. BOX 632886 CINCINNATI, OH 45263 | RELIASTAR LIFE INSURANCE COMPANY | $408K | — | $408K | 10.00% |
| BENE RE LLC3 | 5217 MONROE ST. STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $326K | $326K | 8.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $136K | $366K | $502K | 12.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED | $72K | — | $72K | 3.11% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79K | $220K | $299K | 13.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | P.O. BOX 632886 CINCINNATI, OH 45263 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $9K | — | $9K | 0.54% |
| HODGES-MACE BENEFITS GRP INC3 | 3350 RIVERWOOD PARKWAY, STE 3500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 1.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 0.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $5K | — | $5K | 0.53% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE INSURANCE GROUP | 7975 N HAYDEN ROAD, SUITE C300 SCOTTSDALE, AZ 85253 | ZURICH AMERICAN INSURANCE COMPANY | $136K | — | $136K | 15.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $57K | $57K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | P.O. BOX 632886 CINCINNATI, OH 45263 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 0.54% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | P.O. BOX 632886 CINCINNATI, OH 45263 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METLIFE LEGAL PLANS | $18K | $39 | $18K | 3.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $33K | $33K | 15.00% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14K | $14K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $967 | — | $967 | 0.54% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $9K | $12K | 14.65% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $6K | $8K | 16.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BNFTS & INSURANCE SERVICES INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $557 | $215 | $772 | 3.42% |
| HODGES-MACE BENEFITS GRP INC3 | 3350 RIVERWOOD PARKWAY 80 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $358 | — | $358 | 1.87% |
| SCHREMP, FREDERICK, R3 | STE 800 3625 CUMBERLAND BLVD SE ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED | $556 | — | $556 | 3.10% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE INSURANCE GROUP | 7975 N HAYDEN ROAD, SUITE C300 SCOTTSDALE, AZ 85253 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BNFTS AND INSURANCE SRVCS INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $669 | $214 | $883 | 6.49% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GRP | 3350 RIVERWOOD PARKWAY 80 ATLANTA, GA 30328 | FIRST UNUM LIFE INSURANCE COMPANY | $126 | — | $126 | 1.46% |
| SCHREMP, FREDERICK, R3 | STE 800 3625 CUMBERLAND BLVD SE ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $39 | — | $39 | 0.45% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL SERVICES | 14301 N 87TH ST SUITE 308 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $130 | $392 | $522 | 14.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST. STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $546 | — | $546 | 15.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BNFTS AND INSURANCE SRVCS INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $12 | $32 | 1.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $186 | $186 | 16.12% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BNFTS AND INSURANCE SRVCS INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $39 | $38 | $77 | 9.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BNFTS AND INSURANCE SRVCS INC | 700 W 47TH ST STE 1100 KANSAS, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $9 | $44 | 6.37% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BNFTS AND INSURANCE SRVCS INC | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $13 | $47 | 6.91% |
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 | 17,578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 204 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 183 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 17,965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 8 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 15,033 | $39.9M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 15,033 | $18.1M |
| Vision(2 contracts) | EYEMED | 26,348 | $2.3M |
| Life insurance(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17,578 | $8.9M |
| Short-term disability(10 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,296 | $2.4M |
| Long-term disability(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,894 | $3.9M |
| Other(11 contracts, 7 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 17,578 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,348 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.