| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $101K | — | $101K | 3.32% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD SUITE 400 ST LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85K | — | $85K | 17.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 55 SHUMAN BLVD SUITE 550 NAPERVILLE, IL 60563 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 3.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INSURANCE ADMIN | 721 S PARKER ST SUITE 200 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.92% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AETNA HEALTH, INC. | $8K | — | $8K | 3.37% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET KANSAS CITY, MO 64112 | ARAG INSURANCE COMPANY | $478 | — | $478 | 5.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET #1100 KANSAS CITY, MO 64112 | ARAG INSURANCE COMPANY | $346 | — | $346 | 4.20% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 655 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $490K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $490K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $490K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $490K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $490K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.