| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVCS | P.O. BOX 632886 CINCINNATI, OH 45263 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $36K | $4K | $40K | 11.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMINISTRATIVE SERVICE PROFESSIONAL EIN 20-4056745 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $3.2M |
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.8M |
| CAPITAL RX, INC EIN 35-2612946 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $717K |
| 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 | — | $659K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $466K |
| GUARDIAN NURSES HEALTHCARE ADVOCATE EIN 57-1187937 NONE | Direct payment from the plan; Other services Service code 49 | — | $421K |
| TOTAL CARE NETWORK INC EIN 23-2740082 NONE | Direct payment from the plan; Consulting (general); Consulting fees; Contract Administrator Service code 13 | — | $346K |
| PROVIDENCE FINANCIAL GROUP, LLC EIN 46-1682881 NONE | Other services; Direct payment from the plan Service code 49 | — | $266K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $120K |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Other services; Claims processing; Direct payment from the plan Service code 12 | — | $91K |
| AON CONSULTING INC EIN 22-2232264 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | — | $90K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $85K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $59K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 NONE | Direct payment from the plan; Claims processing; Account maintenance fees Service code 12 | — | $35K |
| MORGAN, LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $34K |
| COLOR GENOMICS INC EIN 46-3353585 NONE | Other services; Direct payment from the plan Service code 49 | — | $33K |
| PHARMACY INVESTIGATORS & CONSULTANT EIN 83-1412332 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $30K |
| IRON MOUNTAIN EIN 04-3038590 NONE | Recordkeeping fees; Direct payment from the plan Service code 50 | — | $27K |
| LV PRINT CENTER/ HARKINS SIGNS EIN 47-3489925 NONE | Direct payment from the plan; Copying and duplicating; Other services Service code 36 | — | $23K |
| FEINBERG, DUMONT & BRENNAN EIN 85-4344180 NONE | Legal; Direct payment from the plan Service code 29 | — | $15K |
| WILLIAM EINHORN EIN 23-1392600 PLAN TRUSTEE | Direct payment from the plan; Trustee (individual); Named fiduciary Service code 20 | — | $12K |
| J A MARIANO AGENCY, INC | Insurance agents and brokers; Insurance services Service code 22 | — | $5K |
| J A MARIANO AGENCY INC EIN 22-2280590 NONE | Insurance services; Insurance agents and brokers Service code 22 | — | $0 |
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 | 8,524 | 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) | 8,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,459 | $358K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,459 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,459 | — |
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.