| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $49K | $63K | 2.80% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 6.21% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORP. | 4707 EXECUTIVE DRIVE ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $994 | $6K | 2.17% |
| WILLIAM BEAR3 | 7105 SWAN WAY CARY, IL 60013 | METROPOLITAN LIFE INSURANCE COMPANY | $203 | — | $203 | 0.08% |
| RENAISSANCE FINANCIAL CORP3 | 5700 OAKLAND AVENUE, SUITE 400 ST. LOUIS, MO 63110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $521 | $521 | 1.96% |
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 | 240 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 561 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 561 | $2.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 561 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 148 | $283K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 166 | $74K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.