| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS / BLUE SHIELD OF ILLINOIS | $110K | — | $110K | 2.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $12K | $27K | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL D/B/A SOURCE 1 BENEFITS | 216 S JEFFERSON ST STE LL2 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $1K | $25K | 5.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICE INC | 700 W 47TH STREET STE1100 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 0.02% |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS / BLUE SHIELD OF ILLINOIS | 677 | $5.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 943 | $456K |
| Vision | BLUE CROSS / BLUE SHIELD OF ILLINOIS | 677 | $5.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 943 | $456K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 943 | $456K |
| Prescription drug | BLUE CROSS / BLUE SHIELD OF ILLINOIS | 677 | $5.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 943 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 943 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.