| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | COMMUNITY INSURANCE COMPANY | $29K | $6K | $35K | 0.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF OHIO | $5K | — | $5K | 4.65% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 9.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 5450 FRANTZ ROAD SUITE 300 DUBIN, OH 43016 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 9.29% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY, SUITE 450 COLUMBUS, OH 43240 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | — | $255 | 0.73% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $3K | — | $3K | 10.01% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MA 20814 | VISION SERVICE PLAN | $149 | — | $149 | 0.50% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 426 | $3.6M |
| Dental | DELTA DENTAL OF OHIO | 437 | $112K |
| Vision | VISION SERVICE PLAN | 227 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 363 | $146K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 363 | $180K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 363 | $146K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 603 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.