| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SVCS, INC. | 24610 DETROIT ROAD, SUITE 150 WESTLAKE, OH 44145 | SYMETRA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.72% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | SYMETRA LIFE INSURANCE COMPANY | $3K | $926 | $4K | 4.25% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | SYMETRA LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 4.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES, INC. | PO BOX 632886 CINCINNATI, OH 45263 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 2.76% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | LOCKBOX 4238 COLUMBUS, OH 43260 | TRUSTMARK INSURANCE COMPANY | $706 | $0 | $706 | 1.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES, INC. | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF OHIO | $2K | — | $2K | 6.35% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $1K | — | $1K | 3.93% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $446 | — | $446 | 6.09% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 105 | $34K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 93 | $7K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 165 | $149K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 165 | $95K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 165 | $95K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 165 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.