| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES Filed as: CBIZ BENEFITS & INSURANCE SRVCS | P.O. BOX 632886 CINCINNATI, OH 45263 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $47K | — | $47K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMINISTRATIVE SERVICE PROFESSIONAL EIN 20-4056745 NONE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $4.4M |
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Claims processing; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.4M |
| CAPITAL RX EIN 35-2612946 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.0M |
| GUARDIAN NURSES HEALTHCARE ADVOCATE EIN 57-1187937 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $465K |
| SWORD HEALTH EIN 83-4333673 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $342K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $323K |
| ZELIS CLAIMS INTEGRITY INC. EIN 86-1040704 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $321K |
| COLOR HEALTH, INC. EIN 46-3353585 NONE | Other services; Direct payment from the plan Service code 49 | — | $263K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $254K |
| CALL A DOCTOR PLUS (DOXA DBA) EIN 47-4868271 NONE | Direct payment from the plan; Other services Service code 49 | — | $253K |
| CASTLIGHT HEALTH, INC. EIN 26-1989091 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $228K |
| BANNER RIDGE PARTNERS LP EIN 84-2225682 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $211K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $142K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Custodial (securities); Investment management; Investment management fees paid directly by plan; Direct payment from the plan Service code 19 | — | $142K |
| TOTAL CARE NETWORK, INC. EIN 23-2740082 NONE | Direct payment from the plan; Claims processing; Consulting (general); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $130K |
| ZELIS PAYMENTS HOLDINGS, LLC EIN 45-2579291 NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $100K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $75K |
| FOSTER & FOSTER, INC. EIN 59-1921114 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $73K |
| NOVAK FRANCELLA, LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| LV PRINT CENTER LLC EIN 93-1517255 NONE | Copying and duplicating; Other services; Direct payment from the plan Service code 36 | — | $51K |
| PHARMACY INVESTIGATORS & CONSULTANT EIN 83-1412332 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $50K |
| FAIR HEALTH, INC. EIN 90-0524293 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $43K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 NONE | Account maintenance fees; Direct payment from the plan; Claims processing Service code 12 | — | $35K |
| WILLIAM EINHORN EIN 23-1392600 NONE | Trustee (individual); Named fiduciary; Direct payment from the plan Service code 20 | — | $16K |
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 | 8,899 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,356 | $474K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,356 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,356 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.