| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $112K | $105K | $216K | 3.66% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE ROAD 425, SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $129K | — | $129K | 28.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 2.68% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD, SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $11K | — | $11K | 5.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 3.81% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD, SUITE 400 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 14.55% |
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 | 529 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 731 | $5.9M |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 415 | $244K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 1,729 | $459K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $41K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 1,729 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.