| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $3K | $44K | $47K | 3.87% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS LLC | 252 N RADNOR-CHESTER RD ST. DAVIDS, PA 19087 | AETNA LIFE INSURANCE COMPANY | $562 | $9K | $9K | 0.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 12.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $565 | — | $565 | 8.42% |
| THE STERLING GROUP INC3 Filed as: STERLING BENEFITS, LLC | 512 WEST LANCASTER AVE, SUITE C WAYNE, PA 19087 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $106 | — | $106 | 1.58% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 118 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 118 | $1.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 98 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 112 | $37K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 112 | $37K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 112 | $37K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 118 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 112 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.