| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.46% |
| INOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN ROAD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 3.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, LLC | 3330 BARGAINTOWN ROAD, STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | VISION BENEFITS OF AMERICA | $749 | — | $749 | 1.30% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $895 | — | $895 | 8.26% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN ROAD, STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | UNUM LIFE INSURNACE COMPANY OF AMERICA | $204 | — | $204 | 1.88% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $203 | — | $203 | 10.00% |
No Schedule C service providers reported on this filing.
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 349 | $57K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 406 | $116K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 373 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.