| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3625 CUMBERLAND BLVD SE STE 800 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 0.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $3K | — | $3K | 0.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $15K | — | $15K | 3.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | — | $13K | 2.52% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | — | $6K | 2.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 LEAWOOD CREEK PARKWAY LEAWOOD, KS 66211 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 1.76% |
| FREDERICK R SCHREMP3 Filed as: FREDERICK SCHREMP | 3625 CUMBERLAND BLVD SE STE 800 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | — | $4K | 1.76% |
| BRUCE GOIN3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | — | $4K | 1.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | MADISON NATIONAL LIFE | $13K | — | $13K | 7.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | MADISON NATIONAL LIFE | $10K | — | $10K | 5.92% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | MADISON NATIONAL LIFE | $10K | — | $10K | 5.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $5K | — | $5K | 3.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $5K | — | $5K | 2.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $10K | $18K | 12.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINATTI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 9.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 12.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 5.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 4.79% |
| MAGELLAN HEALTH SERVICES, INC.3 Filed as: MAGELLAN HEALTH CARE | 14100 MAGELLAN PLAZA MARYLAND HEIGHTS, MO 63043 | MAGELLAN HEALTH CARE | — | $834 | $834 | 5.31% |
| DIGITIAL INSURANCE LLC3 Filed as: DIGITIAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $106 | — | $106 | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $83 | — | $83 | 3.13% |
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 | 1,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MADISON NATIONAL LIFE | 202 | $175K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 1,136 | $959K |
| Vision(2 contracts) | EYEMED VISION CARE | 1,489 | $167K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,585 | $511K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 234 | $25K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,126 | $226K |
| Other(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,615 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,126 | — |
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.