| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 4851 LBJ FRWY STE 100 DALLAS, TX 75244 | SYMETRA LIFE INSURANCE COMPANY | $0 | $30K | $30K | 4.19% |
| MCBANE INSURANCE AND FINANCIAL SERV3 | 215 MAIN STREET WINTERSVILLE, OH 43953 | ANTHEM LIFE INSURANCE COMPANY | $18K | — | $18K | 11.85% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BLVD. STE. C COLUMBUS, OH 43235 | ANTHEM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.25% |
| HM CENTERED HEALTH INC0 Filed as: HM CENTERED HEALTH, INC. | 19 NORTH MAIN STREET WILKES BARRE, PA 18711 | FOUR EVER LIFE INS. CO. | $0 | $149 | $149 | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ, INC. EIN 22-2769024 ADMIN/CONSULTANT FEES | Contract Administrator Service code 13 | 6050 OAK TREE BLVD. S., SUITE 500 CLEVELAND, OH 44131 | $32K |
| HIGHMARK EIN 23-1294723 ADMINISTRATIVE FEES | Contract Administrator Service code 13 | — | $10K |
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 | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS. CO. | 1 | $4K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 770 | $152K |
| Vision | VISION BENEFITS OF AMERICA | 295 | $53K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 356 | $152K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 356 | $152K |
| Prescription drug | FOUR EVER LIFE INS. CO. | 1 | $4K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 294 | $718K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 356 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.