| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $7K | $89K | $96K | 3.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45623 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| HARRIS A KIVITZ3 | 253 STONEWAY LANE MERION STATION, PA 19066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 13.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.51% |
| HARRIS A KIVITZ3 | 253 STONEWAY LANE MERION STATION, PA 19066 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.10% |
| HARRIS A KIVITZ3 | 253 STONEWAY LANE MERION STATION, PA 19066 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $704 | — | $704 | 8.86% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 365 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 365 | $2.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 365 | $2.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 230 | $100K |
| Short-term disability | STANDARD INSURANCE COMPANY | 112 | $159K |
| Long-term disability | STANDARD INSURANCE COMPANY | 28 | $8K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 365 | $2.7M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.