| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 55 SHUMAN BOULEVARD, SUITE 550 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62K | $6K | $68K | 9.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 55 SHUMAN BOULEVARD, SUITE 550 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $58K | $6K | $64K | 11.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 55 SHUMAN BOULEVARD, SUITE 550 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $6K | $37K | 10.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 55 SHUMAN BOULEVARD, SUITE 550 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $5K | $33K | 23.46% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 55 SHUMAN BOULEVARD, SUITE 550 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $5K | $33K | 24.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD, SUITE 400 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 55 SHUMAN BOULEVARD, SUITE 550 NAPERVILLE, IL 60563 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $635 | $10K | 26.66% |
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 | 3,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 371 | $110K |
| Vision | VISION SERVICE PLAN | 1,424 | $235K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,058 | $920K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,013 | $691K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,116 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,058 | — |
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.