| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | P.O. BOX 632886 CINCINNATI, OH 45263 | KAISER FOUNDATION HEALTH PLAN, INC. | $28K | — | $28K | 3.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICES, | 175 S. MAIN STREET, SUITE 720 SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE COMPANY | $55K | — | $55K | 7.26% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 3.28% |
| CBIZ BENEFITS & INSURANCE SERVICES5 | — | METLIFE | $24K | $14K | $38K | 17.46% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSSERVICES, INC | PO BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | $16K | $2K | $19K | 9.59% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | — | UNITED HEALTHCARE | $5K | — | $5K | 2.69% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | SRVC OH P.O. BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH & LIFE INSURANCE CO. | $8K | — | $8K | 9.88% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | — | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 19 E 200 SOUTH SALT LAKE CITY, UT 84111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | — | LIFE INSURANCE COMPANY FO NORTH AMERICA | $2K | — | $2K | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $956 | — | $956 | 7.00% |
| CBIZ BENEFITS & INSURANCE SERVICES5 | — | VSP VISION CARE | $702 | — | $702 | 8.37% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICES, | 175 S. MAIN STREET, SUITE 720 SALT LAKE CITY, UT 84111 | TRANSAMERICA LIFE INSURANCE COMPANY | $496 | — | $496 | 10.01% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $155 | — | $155 | 3.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $174 | — | $174 | 6.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSSERVICES, INC | PO BOX 632886 CINCINNATI, OH 45263 | THE HARTFORD | — | $600 | $600 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 CONTRACT ADMINISTRATOR | Accounting (including auditing) Service code 10 | — | $155K |
| BOON ADMINISTRATIVE SERVICES EIN 33-0449333 CONTRACTED TPA | Claims processing; Contract Administrator Service code 12 | — | $26K |
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 | 1,402 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 159 | $2.8M |
| Dental(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 149 | $922K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 116 | $89K |
| Life insurance | LIFE INSURANCE COMPANY FO NORTH AMERICA | 54 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 35 | $14K |
| Prescription drug | BLUE CROSS & BLUE SHIELD OF ALABAMA | 107 | $1.0M |
| Other(5 contracts, 4 carriers) | BLUE CROSS & BLUE SHIELD OF ALABAMA | 1,266 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.