| 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 | $4K | $703 | $5K | 23.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMINISTRATIVE SERVICE PROFESSIONAL EIN 20-4056745 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $1.9M |
| S.E.I. INVESTMENTS EIN 23-1707341 NONE | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $1.6M |
| CLINTON UNION LEAGUE LLC EIN 45-5122562 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $604K |
| SPRUCEGROVE INVESTMENT MANAGEMENT EIN 98-0399967 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $475K |
| BOSTON PARTNERS EIN 98-0202744 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Investment management Service code 28 | — | $433K |
| SOUNDPOINT CAPITAL EIN 26-2742458 NONE | Investment management; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $410K |
| TOCQUEVILLE ASSET MANAGEMENT EIN 13-3547557 NONE | Investment management; Soft dollars commissions; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | — | $409K |
| FRED ALGER MANAGEMENT, INC EIN 13-2510833 NONE | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan; Soft dollars commissions Service code 28 | — | $373K |
| JOHNSTON ASSET MANAGEMENT EIN 13-3257590 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $372K |
| GAMCO INVESTORS INC EIN 13-4044521 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $292K |
| STEVENS & LEE EIN 23-1886296 NONE | Legal; Direct payment from the plan Service code 29 | — | $270K |
| WELLS CAPITAL MANAGEMENT EIN 95-3692822 NONE | Investment management; Investment management fees paid directly by plan; Investment management fees paid indirectly by plan Service code 28 | — | $257K |
| MILLIMAN USA EIN 91-0675641 NONE | Consulting (pension); Direct payment from the plan; Actuarial Service code 11 | — | $218K |
| 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 | — | $197K |
| CALAMOS ADVISORS LLC EIN 20-1647533 NONE | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $168K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $157K |
| RBC WEALTH MANAGEMENT EIN 41-1416330 NONE | Consulting fees; Direct payment from the plan; Consulting (pension) Service code 17 | — | $150K |
| DCM PRIVATE EQUITY FUND EIN 46-4371817 NONE | Investment management; Investment management fees paid indirectly by plan; Investment management fees paid directly by plan Service code 28 | — | $148K |
| GOODWIN CAPITAL ADVISORS EIN 04-2453743 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $110K |
| J A MARIANO AGENCY EIN 22-2280590 NONE | Insurance services; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $91K |
| 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 | — | $86K |
| EVERCORE TRUST COMPANY EIN 26-4691954 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $85K |
| STANDISH MELLON ASSET MANAGEMENT EIN 25-1890416 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $70K |
| NORTHPOINT CAPITAL LLC EIN 23-3025935 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $70K |
| MARKOWITZ & RICHMAN EIN 23-2111581 NONE | Legal; Direct payment from the plan Service code 29 | — | $67K |
| BOND BEEBE PC EIN 52-1044197 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $57K |
| SS&C PRIVATE EQUITY SERVICES INC EIN 02-0634697 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $52K |
| MORGAN, LEWIS & BOCKIUS LLP EIN 23-0891050 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| FREEDMAN & LORRY EIN 23-2158375 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| WILLIAM J EINHORN 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 | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
| KUTZTOWN PUBLISHING CO INC EIN 23-0781070 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 | 8,492 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9,911 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,756 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 3,321 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 26,480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 217 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.