| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $12K | $96K | 8.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC. | 206 S JEFFERSON STREET, SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $8K | $52K | 4.88% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $1K | $27K | 2.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 6.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC. | 206 S JEFFERSON STREET, SUITE 200 CHICAGO, IL 60661 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 4.39% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 1.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $20K | 20.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC. | 206 S JEFFERSON STREET, SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $974 | $6K | 6.38% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $191 | $3K | 3.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $616 | $17K | 46.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC. | 206 S JEFFERSON STREET, SUITE 200 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $452 | $3K | 7.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $107 | $2K | 4.25% |
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 | 869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $1.1M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,330 | $105K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $1.1M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.