| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD SUITE 400 SAINT LOUIS, MO 56371 | HEALTH CARE SERVICE CORPORATION | $115K | — | $115K | 5.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $2K | $19K | 9.33% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $10K | $14K | 7.01% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN RD, PMB 357 GLENVIEW, IL 60025 | PRINCIPAL LIFE INSURANCE COMPANY | $497 | — | $497 | 0.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| SOURCE ONE GROUP, LLC3 Filed as: SOURCE ONE BENEFITS, INC. | 216 S JEFFERSON ST, STE LL2 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $901 | $901 | 5.01% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 230 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 255 | $201K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 239 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 255 | $201K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 255 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.