| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE | $20K | — | $20K | 0.80% |
| BENEFIT HEALTH ADVISOR3 | 9605 KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | UNITEDHEALTHCARE | $19K | — | $19K | 0.78% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 1.67% |
| JASON RANKIN3 | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 1.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 6050 OAK TREE BLVD SUITE 500 INDEPENDENCE, OH 44131 | HUMANADENTAL INSURANCE COMPANY | $8K | $3K | $10K | 6.71% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | HUMANADENTAL INSURANCE COMPANY | $6K | — | $6K | 4.18% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 6.78% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.64% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $626 | $626 | 0.56% |
| BENEFIT HEALTH ADVISOR3 | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | VISION SERVICE PLAN | $938 | — | $938 | 2.96% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.09% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $879 | — | $879 | 3.90% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.09% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $758 | — | $758 | 3.91% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $424 | — | $424 | 3.04% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $272 | — | $272 | 1.95% |
| BENEFIT HEALTH ADVISOR3 Filed as: BENEFIT HEALTH ADVISOR INC | 9605 S KINGSTON CT SUITE 150 ENGLEWOOD, CO 80112 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $879 | — | $879 | 6.57% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS LLC | 9700 ORMSBY STATION RD SUITE 200 LOUISVILLE, KY 40223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $459 | — | $459 | 3.43% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 6050 OAK TREE BLVD SUITE 500 INDEPENDENCE, OH 44131 | KANAWHA INSURANCE COMPANY | $108 | $16 | $124 | 1.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 6050 OAK TREE BLVD SUITE 500 INDEPENDENCE, OH 44131 | KANAWHA INSURANCE COMPANY | $109 | $23 | $132 | 1.43% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE | 548 | $3.2M |
| Dental(2 contracts, 2 carriers) | HUMANADENTAL INSURANCE COMPANY | 190 | $234K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 241 | $45K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $125K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $134K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $131K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 408 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.