| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $45K | $0 | $45K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMINISTRATIVE SERVICE PROFESSIONAL EIN 20-4056745 NONE | Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $3.3M |
| HORIZON HEALTHCARE EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.8M |
| HEALTHCARE STRATEGIES INC EIN 58-1874471 NONE | Direct payment from the plan; Other fees; Consulting fees Service code 50 | — | $683K |
| AETNA EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $536K |
| CAPITAL RX INC EIN 35-2612946 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $497K |
| TOTAL CARE NETWORK INC EIN 23-2740082 NONE | Consulting fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $352K |
| COLOR GENOMICS INC EIN 46-3353585 NONE | Direct payment from the plan; Other services Service code 49 | — | $317K |
| PROVIDENCE FINANCIAL GROUP INC DBA EIN 46-1682881 NONE | Other services; Direct payment from the plan Service code 49 | — | $251K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $180K |
| AON CONSULTING EIN 22-2232264 NONE | Direct payment from the plan; Actuarial; Consulting (general) Service code 11 | — | $90K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $83K |
| S.E.I. INVESTMENTS EIN 23-1707341 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $76K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $71K |
| WFGD STUDIO LLC EIN 45-4869723 NONE | Copying and duplicating; Other services; Direct payment from the plan Service code 36 | — | $65K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $65K |
| CRYSTAL CLEAR RX EIN 27-3009945 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $64K |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $48K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 NONE | Account maintenance fees; Direct payment from the plan; Claims processing Service code 12 | — | $37K |
| 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 | — | $36K |
| IRON MOUNTAIN EIN 04-3038590 NONE | Recordkeeping fees; Direct payment from the plan Service code 50 | — | $22K |
| MORGAN, LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| LOUIS P. MATTUCCI & ASSOCIATES EIN 23-2903453 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $15K |
| CVS/CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $13K |
| WILLIAM J. EINHORN EIN 23-1392600 PLAN TRUSTEE | Direct payment from the plan; Trustee (individual); Named fiduciary Service code 20 | — | $12K |
| LV PRINT CENTER/HARKINS SIGNS EIN 47-3489925 NONE | Direct payment from the plan; Copying and duplicating; Other services Service code 36 | — | $9K |
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 | 8,819 | 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) | 8,819 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,962 | $447K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,962 | $447K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,962 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.