| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COX HEALTH SYSTEMS INSURANCE CO5 Filed as: COX HEALTH SYSTEMS INSURANCE COMPAN | PO BOX 5750 SPRINGFIELD, MO 658015750 | COX HEALTH SYSTEMS INSURANCE COMPANY | — | $215K | $215K | 7.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P O BOX 632886 CINCINNATI, OH 45263 | COX HEALTH SYSTEMS INSURANCE COMPANY | $93K | — | $93K | 3.25% |
| NATIONAL INSURANCE MARKETING BROKER3 Filed as: NATIONAL INSURANCE MARKETING B | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | GUARDIAN | $198K | $9K | $208K | 35.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 951 YAMATO RE. SUITE 200W BOCA RATON, FL 33431 | GUARDIAN | $18K | — | $18K | 3.06% |
| TAYLOR & SON INS AGCY LLC3 Filed as: TAYLOR AND SONS OF TN | 38 OLD HICKORY COVE - SUITE A-130 JACKSON, TN 38305 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 7.70% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 7.17% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 700 W 47TY STREET - SUITE 1100 KANSAS CITY, MO 64112 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 3.32% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICES, | P.O. BOX 632886 CINCINNATI, OH 45263 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.30% |
| INNOBENEFITS LLC3 | 1280 BRIGHTON WAY NEW TOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.98% |
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 | 907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COX HEALTH SYSTEMS INSURANCE COMPANY | 674 | $2.9M |
| Dental | GUARDIAN | 898 | $589K |
| Vision | GUARDIAN | 898 | $589K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 898 | $751K |
| Short-term disability | GUARDIAN | 898 | $589K |
| Long-term disability | GUARDIAN | 898 | $589K |
| Other | GUARDIAN | 898 | $589K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.