| 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 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $0 | $2K | 11.17% |
| MODEL CONSULTING INC3 | 3160 TREMONT AVENUE TREVOSE, PA 190536644 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $455 | $2K | 10.23% |
| 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; Other services; Claims processing Service code 12 | — | $2.0M |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $1.0M |
| S.E.I. INVESTMENTS EIN 23-1707341 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $602K |
| SPRUCEGROVE INVESTMENT MANAGEMENT EIN 98-0399967 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $414K |
| ROBECO INVESTMENT MANAGEMENT EIN 98-0202744 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $406K |
| GAMCO INVESTORS INC EIN 13-4044521 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $394K |
| JOHNSTON ASSET MANAGEMENT EIN 13-3257590 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $389K |
| TOCQUEVILLE ASSET MANAGEMENT EIN 13-3547557 NONE | Investment management fees paid directly by plan; Soft dollars commissions; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $383K |
| CALAMOS ADVISORS LLC EIN 20-1647533 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $346K |
| FRED ALGER MANAGEMENT, INC EIN 13-2510833 NONE | Investment management; Soft dollars commissions; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | — | $343K |
| WELLS CAPITAL MANAGEMENT EIN 95-3692822 NONE | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | — | $325K |
| LORD ABBETT & CO LLC EIN 13-5620131 NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Investment management Service code 28 | — | $259K |
| SOUNDPOINT CAPITAL EIN 26-2742458 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $255K |
| MILLIMAN USA EIN 91-0675641 NONE | Consulting (pension); Direct payment from the plan; Actuarial Service code 11 | — | $222K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $162K |
| RESEARCH AFFILIATES, LLC EIN 71-0917246 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $159K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Direct payment from the plan; Consulting fees; Consulting (pension) Service code 17 | — | $156K |
| GOODWIN CAPITAL ADVISORS EIN 04-2453743 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $106K |
| J A MARIANO AGENCY EIN 22-2280590 NONE | Insurance services; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $93K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $84K |
| BOND BEEBE PC EIN 52-1044197 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $83K |
| ALLIANCE BERNSTEIN LP EIN 13-3434400 NONE | Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management fees paid directly by plan Service code 51 | — | $60K |
| BNY MELLON ASSET MANAGEMENT EIN 25-6078093 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $59K |
| BOYD WATTERSON ASSET MANAGEMENT EIN 34-1922005 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $47K |
| STANDISH MELLON ASSET MANAGEMENT EIN 25-1890416 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $41K |
| THOMAS REUTERS EXPERT WITNESS EIN 41-1426973 NONE | Other services; Direct payment from the plan Service code 49 | — | $19K |
| FREEDMAN & LORRY EIN 23-2158375 NONE | Legal; Direct payment from the plan Service code 29 | — | $19K |
| KROLL ONTRACK, INC EIN 41-1521650 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $10K |
| KENNETH F LEEDY EIN 23-1511735 PLAN TRUSTEE | Direct payment from the plan; Trustee (individual); Named fiduciary Service code 20 | — | $10K |
| RED CARD SYSTEMS LLC EIN 20-5388701 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $7K |
| MARIANN SCHICK EIN 23-1511735 NONE | Direct payment from the plan; Other services Service code 49 | — | $7K |
| KUTZTOWN PUBLISHING CO INC EIN 23-0781070 NONE | Contract Administrator; Other services; Direct payment from the plan Service code 13 | — | $6K |
| DLS INC EIN 13-3179699 NONE | Other services; Direct payment from the plan Service code 49 | — | $5K |
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 | 7,632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10,003 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5,034 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 3,340 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 26,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 223 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.