| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $25K | $786 | $25K | 0.86% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $6K | — | $6K | 0.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | STANDARD INSURANCE COMPANY | $6K | $3K | $9K | 9.50% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 9.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD, SUITE 400 ST. LOUIS, MO 63141 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 6.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | COMBINED STATES LEGAL SERVICES | $449 | — | $449 | 10.78% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | 1776 AMERICAN HERITAGE DRIVE JACKSON, FL 32224 | COMBINED STATES LEGAL SERVICES | $208 | — | $208 | 5.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMBINED STATES LEGAL SERVICES | $147 | — | $147 | 3.53% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 0 | $2.9M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 0 | $2.9M |
| Vision | VISION BENEFITS OF AMERICA | 0 | $17K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 0 | $123K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 0 | $123K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 0 | $123K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 0 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.