| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | MUTUAL OF OMAHA INSURANCE COMPANY | $38K | $12K | $50K | 13.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMINISTRATIVE SERVICE PROFESSIONAL EIN 20-4056745 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Other services Service code 12 | — | $3.1M |
| HORIZON HEALTHCARE EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.7M |
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $754K |
| HEALTHCARE STRATEGIES INC EIN 58-1874471 NONE | Other fees; Consulting fees; Direct payment from the plan Service code 50 | — | $606K |
| TOTAL CARE NETWORK INC EIN 23-2740082 NONE | Consulting fees; Direct payment from the plan; Contract Administrator Service code 13 | — | $335K |
| S.E.I. INVESTMENTS EIN 23-1707341 NONE | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $316K |
| PROVIDENCE FINANCIAL GROUP INC DBA EIN 46-1682881 NONE | Direct payment from the plan; Other services Service code 49 | — | $250K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $186K |
| AON CONSULTING EIN 22-2232264 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $90K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $82K |
| PLANSOURCE BENEFITS ADMINISTRATION EIN 55-0800751 NONE | Other services; Participant communication; Direct payment from the plan Service code 38 | — | $60K |
| CRYSTAL CLEAR RX EIN 27-3009945 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $55K |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $45K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $38K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan; Account maintenance fees Service code 12 | — | $37K |
| MORGAN, LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $32K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $28K |
| CVS/CAREMARK EIN 05-0340626 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $23K |
| IRON MOUNTAIN EIN 04-3038590 NONE | Direct payment from the plan; Recordkeeping fees Service code 50 | — | $23K |
| LOUIS P. MATTUCCI & ASSOCIATES EIN 23-2903453 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $19K |
| WILLIAM J. EINHORN EIN 23-1392600 PLAN TRUSTEE | Trustee (individual); Named fiduciary; Direct payment from the plan Service code 20 | — | $12K |
| SCANTEK INC EIN 48-1263177 NONE | Copying and duplicating; Direct payment from the plan; Other services Service code 36 | — | $8K |
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 | 8,630 | 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) | 8,630 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 6,803 | $451K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 6,803 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,803 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.