| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $1K | $124K | 13.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC D/B/A SOURCE 1 BENEFI | 206 S JEFFERSON ST SUITE 200 CHICAGO, IL 606615639 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $2K | $50K | 5.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $132 | $10K | 77.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC D/B/A SOURCE 1 BENEFI | 206 S JEFFERSON ST SUITE 200 CHICAGO, IL 606615639 | METROPOLITAN LIFE INSURANCE COMPANY | $965 | $393 | $1K | 10.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $137 | $9K | 70.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC D/B/A SOURCE 1 BENEFI | 206 S JEFFERSON ST SUITE 200 CHICAGO, IL 606615639 | METROPOLITAN LIFE INSURANCE COMPANY | $955 | $423 | $1K | 10.91% |
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 | 1,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,037 | $914K |
| Vision | VSP | 913 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,037 | $914K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,037 | $914K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,037 | $914K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,037 | $940K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,037 | — |
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.