| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $71K | — | $71K | 3.82% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172K | — | $172K | 57.86% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | LOYAL AMERICAN LIFE INSURANCE COMPANY | $43K | — | $43K | 76.40% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 76.51% |
| JOHN GEOLAS3 Filed as: JOHN CUNNINGHAM | 1900 WEST 63RD STREET MISSION HILLS, KS 66208 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.30% |
| WORKSITE BENEFIT ASSOCIATES3 | HARZFELD BUILDING 1111 MAIN STREET, SUITE 600 KANSAS CITY, MO 64105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.11% |
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 | 475 | 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) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 437 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $39K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,166 | $297K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $21K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 437 | $1.9M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,166 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.