| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: NJ - WORLD INSURANCE ASSOCIATES | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 4.28% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000 200 CONNELL DR BERKELEY HTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.36% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | GUARDIAN | $17K | $5K | $22K | 23.83% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $5K | — | $5K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SRVC BROKER | Other commissions; Insurance brokerage commissions and fees Service code 53 | P. O. BOX 632886 CINCINNATI, OH 45263 | $65K |
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 | 205 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $499K |
| Dental | GUARDIAN | 205 | $92K |
| Life insurance | GUARDIAN | 205 | $92K |
| Other | GUARDIAN | 205 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.