| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $33K | — | $33K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $31K | — | $31K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE COMPANY | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $24K | — | $24K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $23K | — | $23K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 4.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE COMPANY | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 5.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 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 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $726 | — | $726 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $2K | — | $2K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SYMETRA LIFE INSURANCE COMPANY | $462 | — | $462 | 5.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $516 | — | $516 | 15.00% |
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 | 4,658 | 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) | 4,658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(10 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,167 | $3.0M |
| Short-term disability(3 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,167 | $1.5M |
| Long-term disability(10 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,167 | $3.0M |
| Other(12 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 4,658 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,658 | — |
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.