| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES, INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 13.69% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS, IN C. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $207 | $1K | 1.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Claims processing; Plan Administrator; Other services Service code 12 | 6240 SPRINT PARKWAY SUITE 400 OVERLAND PARK, KS 66211 | $90K |
| ADVANCED MEDICAL PRICING SOLUTIONS EIN 20-2149357 NONE | Other services; Plan Administrator; Claims processing Service code 12 | 35 TECHNOLOGY PARKWAY SUITE 100 NORCROSS, GA 30092 | $76K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 NONE | Consulting (general); Insurance agents and brokers Service code 16 | PO BOX 632886 CINCINNATI, OH 45263 | $26K |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $78K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $78K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $78K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC - STOP LOSS GROUP | 118 | $209K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.