| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | COVENTRY HEALTH AND LIFE | $85K | — | $85K | 3.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | COVENTRY HEALTH AND LIFE | $7K | — | $7K | 0.24% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ INSURANCE SERVICES INC | — | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| DAVID W WIGGINS3 | 3400 EASVALE FAIRWAY, KS 66205 | TRUSTMARK INSURANCE COMPANY | $29K | — | $29K | 22.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 6.99% |
| DAVID W WIGGINS3 | 3400 EASVALE FAIRWAY, KS 66205 | TRUSTMARK INSURANCE COMPANY | $22K | — | $22K | 18.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 6.57% |
| DAVID W WIGGINS3 Filed as: DAVID W. WIGGINS | 3400 EASVALE FAIRWAY, KS 66205 | TRUSTMARK INSURANCE COMPANY | $15K | — | $15K | 14.83% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 4.06% |
| DAVID W WIGGINS3 | 3400 EASVALE FAIRWAY, KS 66205 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 11.54% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 3.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 ATTN COMMISSIONS CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 11.92% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | SERVICES, INC. PO BOX 632886 CINCINNATI, OH 452632886 | VISION SERVICE PLAN | $2K | — | $2K | 3.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | SERVICES, INC. PO BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $769 | $5K | 11.83% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCES SERVICES | PO BOX 632886 ORTN COMMISSIONS CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $685 | $119 | $804 | 11.73% |
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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH AND LIFE | 813 | $3.0M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 476 | $178K |
| Vision | VISION SERVICE PLAN | 504 | $49K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 693 | $170K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 300 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $82K |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 693 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 813 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.