| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 SUITE 220 CINCINNATI, OH 452632886 | UNITEDHEALTH CARE INSURANCE COMPANY | $2K | $44K | $46K | 2.21% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | UNITEDHEALTH CARE INSURANCE COMPANY | $2K | $41K | $43K | 2.05% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 1765 E SKYLINE DRIVE TUCSON, AK 85718 | DELTA DENTAL OF TENNESSEE | $13K | — | $13K | 6.69% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CA 80202 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 3.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.17% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $4K | $6K | 10.87% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 45.04% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.24% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $949 | — | $949 | 2.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.43% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $97 | $2K | 4.88% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.41% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $944 | $2K | $3K | 10.19% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE SUITE 1400 BIRMINGHAM, AL 35203 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 47.80% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 452632886 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $832 | — | $832 | 3.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 SUITE 520 CINCINNATI, OH 452632886 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.76% |
| IMA, INC.3 Filed as: IMA INC. | PO BOX 2992 WICHITA, KS 67201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $613 | $58 | $671 | 3.99% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTH CARE INSURANCE COMPANY | 711 | $2.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 648 | $202K |
| Vision | UNITEDHEALTH CARE INSURANCE COMPANY | 711 | $2.1M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 652 | $48K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $26K |
| Other(5 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 652 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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."
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.