| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE RISK SOLUTIONS3 Filed as: INNOVATIVE RX | 3330 BARGAINTOWN ROAD EGG HARBOR TOWNSHIP, NJ 08234 | OPTUM RX | $10K | — | $10K | 1.02% |
| EMPLOYERS HEALTH PURCHASING CORPORA3 | 4771 FULTON DRIVE NW CANTON, OH 44718 | OPTUM RX | $9K | — | $9K | 0.89% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTER-TIFFANY BENEFITS | 1550 POND ROAD SUITE 130 ALLENTOWN, PA 18104 | KEYSTONE HEALTH PLAN CENTRAL | $12K | — | $12K | 2.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | KEYSTONE HEALTH PLAN CENTRAL | $4K | — | $4K | 0.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 700 W 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 8.24% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN ROAD SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $5K | $30K | 20.84% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $4K | $25K | 20.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 12.44% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 11.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 401 PLYMOUTH MEETING ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 4.18% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN ROAD SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | VISION BENEFITS OF AMERICA | $524 | — | $524 | 0.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $273K |
| UNITED CONCORDIA COMPANIES INC EIN 25-1687586 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $31K |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN CENTRAL | 42 | $586K |
| Vision | VISION BENEFITS OF AMERICA | 409 | $64K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 429 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $146K |
| Prescription drug(2 contracts, 2 carriers) | OPTUM RX | 323 | $1.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 323 | $349K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 429 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.