| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $31K | $33K | 2.12% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | C/O COMMISSIONS DEPARTMENT CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $73 | $5K | 3.15% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORP. | 4707 EXECUTIVE DRIVE ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $284 | $2K | 0.99% |
| WILLIAM BEAR3 | 321 N. CLARK ST, 14TH FLOOR ABI ATTN GARY KARLOWICZ CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $188 | — | $188 | 0.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $915 | $8K | 7.53% |
| 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 | $5K | — | $5K | 7.15% |
| 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 | — | $398 | $398 | 2.00% |
| 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 | — | $394 | $394 | 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 | 414 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $104K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 414 | $1.6M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $214K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $66K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 210 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.