Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Cbiz Benefits & Insurance Services HealthDental | HealthDental | Pro |
Broker: Cbiz Benefit & Insurance Services HealthHMO | HealthHMO | Pro |
Broker: Cbiz Benefits & Insurance Services VisionLifeOther | VisionLifeOther | Pro |
Broker: Cbiz Benefits & Insurance Services LifeSTDLTDOther | LifeSTDLTDOther | Pro |
Broker: Cbiz Benefits & Insurance Services DentalVisionOther | DentalVisionOther | Pro |
Broker: Cbiz Benefits & Insurance Services Other | Other | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Health Care Service Corporation | Pro |
Carrier: Kaiser Foundation Health Plan Inc | Pro |
Carrier: Kaiser Foundation Health Plan Inc | Pro |
Carrier: Dearborn Life Insurance Company | Pro |
Carrier: Metropolitan Life Insurance Company | Pro |
Carrier: Metropolitan Life Insurance Company | Pro |
Carrier: The Guardian Life Insurance Company of America | Pro |
Carrier: Arag Insurance Company | Pro |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 420 | $3.0M |
| Dental(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 420 | $2.8M |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 300 | $179K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 300 | $190K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $91K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $91K |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 300 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.