| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $42K | $45K | 2.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | C/O COMMISSIONS DEPARTMENT CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $426 | $5K | 2.89% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORP. | 99 MARCUS STREET 3RD FLOOR HAMILTON, MT 59840 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $244 | $2K | 0.90% |
| WILLIAM BEAR3 | 321 N. CLARK ST, 14TH FLOOR ABI ATTN GARY KARLOWICZ CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $207 | — | $207 | 0.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF MISSOURI | $8K | $499 | $9K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE DANIEL & HENRY CO. | 1001 HIGHLANDS PLAZA DRIVE WEST SUITE 500 ST. LOUIS, MO 63110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 9.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $393 | $393 | 2.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $366 | $366 | 2.00% |
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 | 175 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 390 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 290 | $99K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $22K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $221K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $70K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.