| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $99K | $120K | 4.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $17K | 23.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 23.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $886 | $6K | 23.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $621 | $4K | 23.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $797 | $128 | $925 | 23.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $240 | $7 | $247 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $60 | $4 | $64 | — |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $402 | $10 | $412 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $99 | $5 | $104 | — |
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). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 535 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 535 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 535 | $2.9M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 378 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 378 | $71K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 378 | $18K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 378 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.