| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $33K | $33K | 1.16% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORPORATION | PO BOX 5099026 SAN DIEGO, CA 92150 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 1.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INVESTMENT SECURITIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $254 | $4K | 0.81% |
| WILLIAM BEAR3 | 12 GEORGETOWN CT ALGONQUIN, IL 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.23% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF OHIO | $5K | — | $5K | 3.12% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY SUITE 900 ST LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 600 SUPERIOR AVE SUITE 1300 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.47% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 600 SUPERIOR AVE SUITE 1300 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $825 | — | $825 | 2.51% |
| CHARLES L CRANE AGENCY CO3 | 100 N BROADWAY SUITE 900 ST LOUIS, MO 63102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $821 | — | $821 | 2.49% |
| THE JAMES B OSWALD COMPANY3 Filed as: OSWALD COMPANIES | 950 MAIN AVE SUITE 1800 CLEVELAND, OH 44113 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 383 | $2.9M |
| Dental | DELTA DENTAL OF OHIO | 364 | $163K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 383 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $473K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $92K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 418 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.