| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MA 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $77K | $96K | 4.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $177 | $3K | 22.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $760 | $106 | $866 | 6.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $121 | $2K | 23.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $495 | $67 | $562 | 6.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $639 | — | $639 | 19.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $1K | $24K | 2859.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $10K | 1176.58% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $2.1M |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $53K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $62K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $16K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 344 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.