| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 2.10% |
| ENROLLEASE2 Filed as: CARAVUS LLC | 10 S HANLEY ST SUITE 300 ST LOUIS, MO 63105 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.78% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMEC AVE ST LOUIS, MO 63101 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.25% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 101 S HANLEY RD STE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 8.25% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 101 S HANLEY RD STE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $881 | $0 | $881 | 7.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $291 | $506 | $797 | 6.80% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 101 S HANLEY RD STE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $927 | $0 | $927 | 9.79% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $305 | $409 | $714 | 7.54% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33 | $309 | $342 | 4.89% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 101 S HANLEY RD STE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $107 | $0 | $107 | 1.53% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 101 S HANLEY RD STE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $632 | $0 | $632 | 10.38% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $220 | $248 | $468 | 7.68% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 101 S HANLEY RD STE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $703 | $0 | $703 | 14.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $223 | $182 | $405 | 8.34% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 101 S HANLEY RD STE 300 SAINT LOUIS, MO 63105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $861 | $0 | $861 | 19.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $215 | $228 | $443 | 9.89% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 199 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 199 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 199 | $1.1M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 47 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $12K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 199 | $1.1M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.