| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HEALTH CARE SERVICE CORPORATION | $43K | $505 | $44K | 3.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $66 | $5K | 8.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURSE 1 BENEFITS | 216 S JEFFERSON ST, STE LL2 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 14.34% |
| CORNELIUS B SAVOY3 | 6 JOYCE ST ALGONQUIN, IL 60102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.67% |
| BRIAN WHITE3 Filed as: BRIAN M HANLEY | 506 CANTERBURY DRIVE LA GRANGE, GA 30241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $811 | — | $811 | 3.32% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $649 | — | $649 | 2.66% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 71 COUNTRY CLUB DRIVE BLOOMINGDALE, IL 60108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.51% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 161 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $66K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $66K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $66K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 224 | $24K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.