| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HIGHMARK INC. | $309K | — | $309K | 5.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 5.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | CBIZ BENEFITS INSURANCE SER 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNUM INSURANCE COMPANY | $7K | — | $7K | 15.01% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $7K | — | $7K | 14.98% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | CBIZ BENEFITS INSURANCE SER 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | — | $2K | $2K | 3.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFTS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNUM INSURANCE COMPANY | $6K | — | $6K | 15.04% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS PA 17569 REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $6K | — | $6K | 14.56% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS PA 17569 REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $2K | — | $2K | 5.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFTS & INSURANCE SERV | CBIZ BENEFTS INSURANCE SER 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | — | $1K | $1K | 3.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ - DUBLIN, OH | P.O. BOX 632886 CINCINNATI, OH 452632886 | EYEMED VISION CARE | $3K | — | $3K | 9.16% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.08% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $4K | — | $4K | 13.63% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | CBIZ BENEFITS INSURANCE SER 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM INSURANCE COMPANY | — | $968 | $968 | 3.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 57.93% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 22.53% |
| MCCLELLAN, DAVID J3 Filed as: MCCLELLAN, DAVID | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 13.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | CBIZ BENEFITS INSURANCE SER 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $404 | $404 | 3.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 17.12% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | CBIZ BENEFITS INSURANCE SER 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $472 | $472 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ - DUBLIN, OH | P.O. BOX 632886 CINCINNATI, OH 452632886 | EYEMED VISION CARE | $5 | — | $5 | 9.43% |
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 | 1,087 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 494 | $5.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 563 | $175K |
| Vision(2 contracts) | EYEMED VISION CARE | 505 | $28K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 860 | $93K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $9K |
| Prescription drug | HIGHMARK INC. | 494 | $5.4M |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 172 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.