| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PKWY LEAWOOD, KS 662112672 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $127K | — | $127K | 20.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 9755 PATUXENT WOODS DR COLUMBIA, MO 21046 | METROPOLIRAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 10.86% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $7K | 12.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 12.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE COMPANY | PO BOX 632886 CINCINNATI, OH 452632886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $841 | $4K | 12.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $2K | — | $2K | 11.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $513 | $124 | $637 | 12.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $11K |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 297 | $622K |
| Dental | METROPOLIRAN LIFE INSURANCE COMPANY | 642 | $132K |
| Vision | EYEMED VISION CARE | 330 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $61K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $32K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 212 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.