| 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 | DELTA DENTAL OF TENNESSEE | $23K | — | $23K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 5.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $4K | — | $4K | 4.43% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, KS 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 12.53% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 12.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.12% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.12% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.99% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 12.07% |
| BESVINICK, MITCHELL, HENRY3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 7.54% |
| INNOBENEFITS LLC3 Filed as: INNOBENEFITS, LLC | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | AMERITAS LIFE INSURANCE CORP. | $96 | — | $96 | 0.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AMERITAS LIFE INSURANCE CORP. | $721 | — | $721 | 11.79% |
| BESVINICK, MITCHELL, HENRY3 | 99 WOOD AVE S STE 501 ISELIN, NJ 08830 | AMERITAS LIFE INSURANCE CORP. | $481 | — | $481 | 7.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET, STE. 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $852 | — | $852 | 15.31% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS JAMES H | 10930 CRABAPPLE ROAD SUITE 206 ROSWELL, GA 30075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $754 | — | $754 | 13.55% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $70 | — | $70 | 4.17% |
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 | 844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 1,368 | $473K |
| Vision(3 contracts, 2 carriers) | EYEMED VISION CARE | 758 | $108K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 844 | $196K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 676 | $135K |
| Other(8 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,300 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,300 | — |
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.