| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | 401 PLYMOUTH RD PLYMOUTH MEETING, PA 19462 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $2K | $0 | $2K | 12.11% |
| HM CENTERED HEALTH INC3 | 800 DELAWARE AVE STE 9000 WILMINGTON, DE 19801 | USABLE LIFE | $693 | $0 | $693 | 3.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $1K | $0 | $1K | 14.11% |
| HM CENTERED HEALTH INC3 | 800 DELAWARE AVE STE 9000 WILMINGTON, DE 19801 | USABLE LIFE | $415 | $0 | $415 | 5.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $971 | $0 | $971 | 11.87% |
| HM CENTERED HEALTH INC3 | 800 DELAWARE AVE STE 9000 WILMINGTON, DE 19801 | USABLE LIFE | $299 | $0 | $299 | 3.66% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ PHILADELPHIA | 5450 FRANTZ RD SUITE 300 DUBLIN, OH 43016 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $221 | $0 | $221 | 5.00% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 166 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 136 | $4K |
| Life insurance | USABLE LIFE | 90 | $19K |
| Short-term disability | USABLE LIFE | 26 | $8K |
| Long-term disability | USABLE LIFE | 24 | $8K |
| Other | USABLE LIFE | 90 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.