| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE | PO BOX 632886 CINCINNATI, OH 45263 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 21.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | 6240 SPRINT PARKWAY SUITE 400 OVERLAND PARK, KS 66211 | $94K |
| CBIZ BENEFIT INSURANCE SERVICES EIN 31-1582098 NONE | Consulting (general); Insurance agents and brokers Service code 16 | PO BOX 632886 CINCINNATI, OH 45263 | $33K |
| ADVANCED MEDICAL PRICING SOLUTIONS EIN 20-2149357 NONE | Claims processing; Plan Administrator; Other services Service code 12 | 35 TECHNOLOGY PARKWAY SUITE 100 NORCROSS, GA 30092 | $32K |
| PHCS MULTIPLAN EIN 13-3068979 NONE | Claims processing; Plan Administrator; Other services Service code 12 | 115 FIFTH AVENUE NEW YORK, NY 10003 | $6K |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 231 | $78K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 231 | $78K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 231 | $78K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC STOP LOSS GROUP | 137 | $259K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 231 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.