| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $11K | $51K | 9.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURSE 1 BENEFITS | 216 S JEFFERSON SUITE LL2 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $25K | $45K | 8.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $11K | $53K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $9K | $45K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $4K | $19K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $7K | $30K | 23.08% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 17.80% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 17.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $6K | $18K | 16.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN ROAD GLENVIEW, IL 60025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 19.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE LL2 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | 14.46% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINATTI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $455 | — | $455 | 10.00% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 612 | $542K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 606 | $91K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,507 | $324K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,103 | $381K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 917 | $133K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,507 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,507 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.