| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1000 KANSAS CITY, MO 66211 | STANDARD INSURANCE COMPANY | $80K | — | $80K | 10.05% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 222 S 9TH STREET SUITE 1000 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $14K | $14K | 1.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 66211 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 2.43% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 222 S 9TH STREET SUITE 1000 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 1.61% |
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 | 9,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 9,343 | $1.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 0 | $416K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,074 | $618K |
| Other | STANDARD INSURANCE COMPANY | 9,343 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,343 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.