| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 951 YAMATO ROAD SUITE 200W BOCA RATON, FL 33431 | HEALTH OPTIONS | $80K | — | $80K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 951 YAMATO ROAD SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $80K | — | $80K | 50.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 8.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 24.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, FL 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 23.86% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ WEEKES & CALLAWAY | PO BOX 632886 CINCINNATI, FL 45263 | EYEMED VISION CARE | $3K | — | $3K | 9.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $510 | $4K | 17.39% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $619 | $3K | 18.88% |
| JENNINGS INSURANCE SERVICES5 | 10524 MOSS PARK RD # 206-306 ORLANDO, FL 32832 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $798 | $798 | 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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 211 | $1.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $101K |
| Vision | EYEMED VISION CARE | 286 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $34K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 211 | $1.8M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.