| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $25K | $74K | 7.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $40K | — | $40K | 5.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $12K | — | $12K | 6.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINATTI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29K | — | $29K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | BEAZLEY INSURANCE COMPANY, INC. | $23K | — | $23K | 15.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $8K | — | $8K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $7K | — | $7K | 14.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $104 | — | $104 | 3.06% |
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 | 1,887 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,150 | $978K |
| Vision(2 contracts) | EYEMED VISION CARE | 3,113 | $204K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,564 | $699K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 368 | $44K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,564 | $321K |
| Other(5 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,591 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,113 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.