| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 WEST 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $37K | $46K | 1.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $13K | $16K | 0.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 3.29% |
| LPL FINANCIAL CORP3 Filed as: LPL FINANCIAL CORP. | 4707 EXECUTIVE DRIVE ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.76% |
| WILLIAM BEAR3 | 12 GEORGETOWN COURT ALGONQUIN, IL 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $209 | — | $209 | 0.08% |
| RENAISSANCE FINANCIAL CORP3 | 5700 OAKLAND AVENUE, SUITE 400 ST. LOUIS, MO 63110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.77% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTERNS OF WA | 1325 FOURTH AVENUE, SUITE 2100 SEATTLE, WA 98101 | COMBINED INSURANCE | $6K | — | $6K | 8.52% |
| MASTERCARE SOLUTIONS, INC.3 Filed as: MASTERCARE AMERICA INC | 10300 SW GREENBURG RD, STE 380 PORTLAND, OH 97223 | COMBINED INSURANCE | $4K | — | $4K | 5.99% |
| NATHAN SNOW3 | 1399 ASHLEYBROOK LANE, SUITE 120 WINSTON-SALEM, NC 27103 | COMBINED INSURANCE | $4K | — | $4K | 5.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.69% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 497 | $2.4M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 281 | $63K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $410K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 180 | $84K |
| Other | COMBINED INSURANCE | 299 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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."
No prospect flags tripped on this filing.