| 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 | $45K | $8K | $53K | 11.73% |
| 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 Service code 12 | — | $3.8M |
| HORIZON HEALTHCARE SERVICES, INC EIN 22-0999690 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | — | $2.3M |
| CAPITAL RX EIN 35-2612946 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $706K |
| GUARDIAN NURSES HEALTHCARE ADVOCATE EIN 57-1187937 NONE | Direct payment from the plan; Other services Service code 49 | — | $453K |
| TOTAL CARE NETWORK INC EIN 23-2740082 NONE | Direct payment from the plan; Consulting (general); Consulting fees; Contract Administrator Service code 13 | — | $383K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $361K |
| ZELIS CLAIMS INTEGRITY INC EIN 86-1040704 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | — | $301K |
| CALL A DOCTOR PLUS EIN 47-4868271 NONE | Direct payment from the plan; Other services Service code 49 | — | $277K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $188K |
| FOSTER & FOSTER, INC EIN 59-1921114 NONE | Consulting (general); Actuarial; Direct payment from the plan Service code 11 | — | $141K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $138K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $83K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $65K |
| LV PRINT CENTER LLC EIN 93-1517255 NONE | Direct payment from the plan; Other services; Copying and duplicating Service code 36 | — | $60K |
| PHARMACY INVESTIGATORS & CONSULTANT EIN 83-1412332 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $45K |
| IRON MOUNTAIN EIN 04-3038590 NONE | Direct payment from the plan; Recordkeeping fees Service code 50 | — | $43K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 NONE | Claims processing; Account maintenance fees; Direct payment from the plan Service code 12 | — | $36K |
| COLOR GENOMICS INC EIN 46-3353585 NONE | Direct payment from the plan; Other services Service code 49 | — | $27K |
| KIMPTON VERO BEACH NONE | Direct payment from the plan; Other services Service code 49 | 3500 OCEAN DR VERO BEACH, FL 32963 | $18K |
| TEAMSTERS PENSION TRUST FUND EIN 23-1511735 NONE | Direct payment from the plan; Other services Service code 49 | — | $15K |
| WINSLOW TECHNOLOGY GROUP INC NONE | Consulting (general); Other services; Direct payment from the plan Service code 16 | 303 WYMAN ST WALTHAM, MA 02451 | $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 EIN 13-4242774 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services Service code 22 | — | $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 | 8,572 | 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) | 8,572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,606 | $448K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 6,606 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,606 | — |
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.