| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | P. O. BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $304K | $304K | 4.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $114K | $114K | 1.50% |
| KARMA ENTERPRISES INC.3 | 67 PENN STREET PORT JEFFERSON STATION, NY 11776 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $76K | $76K | 1.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 7.89% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 3.94% |
| KARMA ENTERPRISES INC.3 Filed as: KARMA ENTERPRISES INC | 67 PENN STREET PORT JEFFERSON STATION, NY 11776 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.97% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | ANTHEM LIFE AND DISABILITY INS CO | $5K | $3K | $8K | 5.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2290 LUCIEN WAY STE 205 MAITLAND, FL 32751 | ANTHEM LIFE AND DISABILITY INS CO | $7K | — | $7K | 4.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2290 LUCIEN WAY STE 205 MAITLAND, FL 32751 | ANTHEM LIFE AND DISABILITY INS CO | $6K | — | $6K | 10.84% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | ANTHEM LIFE AND DISABILITY INS CO | $2K | $2K | $4K | 6.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | 2290 LUCIEN WAY STE 205 MAITLAND, FL 32751 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $6K | — | $6K | 12.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $975 | $975 | 1.91% |
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 | 725 | 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) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 581 | $7.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 478 | $337K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 478 | $337K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 725 | $51K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INS CO | 725 | $198K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INS CO | 725 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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.
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.