| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $18K | — | $18K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE COMPANY | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE COMPANY | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $5K | — | $5K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $13K | — | $13K | 11.54% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $4K | — | $4K | 15.00% |
| THE MAXON COMPANY3 Filed as: MAXON | 76 NORTH BROADWAY IRVINGTON, NY 10533 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $3K | — | $3K | 18.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $421 | — | $421 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $362 | — | $362 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $223 | — | $223 | 4.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | STATE OF PENN | $395 | — | $395 | 15.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $88 | — | $88 | 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 | 3,003 | 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) | 3,003 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(15 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,778 | $1.7M |
| Short-term disability(7 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,778 | $933K |
| Long-term disability(15 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,778 | $1.7M |
| Other(17 contracts, 5 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 3,003 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,003 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.