| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $97K | $92 | $97K | 2.34% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61K | — | $61K | 27.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD, SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | -$56 | — | -$56 | -0.13% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | LOYAL AMERICAN LIFE INSURANCE COMPANY | $17K | — | $17K | 41.82% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.93% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 29.49% |
| JOHN GEOLAS3 Filed as: JOHN CUNNINGHAM | 1900 WEST 63RD STREET MISSION HILLS, KS 66208 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.19% |
| WORKSITE BENEFIT ASSOCIATES3 | HARZFELD BUILDING 1111 MAIN STREET, SUITE 600 KANSAS CITY, MO 64105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 539 | $4.1M |
| Life insurance(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 517 | $80K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,192 | $227K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $24K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,192 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.