| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERV. | PO BOX 1395 CLEVELAND, TN 37364 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| ASSUREDPARTNERS3 Filed as: GIS BENFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $2K | $815 | $3K | 3.14% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERV. | 721 EMERSON RD STE 400 ST LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 1395 CLEVELAND, TN 37364 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 17.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $447 | $1K | $2K | 5.61% |
| GROUP INSURNACE SERVICES, INC.3 Filed as: GROUP INSURNACE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.47% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $85K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $85K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 346 | $105K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 346 | $105K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 346 | $105K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 346 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.