| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 12.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 12.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 11.62% |
| EVERYTHING BENEFITS3 | 1253 SPRINGFIELD AVE., STE 350 NEW PROVIDENCE, NJ 07974 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$101 | $3K | $3K | 4.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $150 | $150 | 0.26% |
| WILLIAMS AND WEST3 | 325 CHESTNUT ST., SUITE 800 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8 | $8 | 0.01% |
| EVERYTHING BENEFITS3 | 1253 SPRINGFIELD AVE., STE 350 NEW PROVIDENCE, NJ 07974 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.07% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $176 | $176 | 0.36% |
| WILLIAMS AND WEST3 | 325 CHESTNUT ST., SUITE 800 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $25 | $25 | 0.05% |
| EVERYTHING BENEFITS3 | 1253 SPRINGFIELD AVE., STE 350 NEW PROVIDENCE, NJ 07974 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $131 | $131 | 0.28% |
| WILLIAMS AND WEST3 | 325 CHESTNUT ST., SUITE 800 PHILADELPHIA, PA 19106 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $19 | $19 | 0.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METLIFE LEGAL PLANS | $4K | $172 | $4K | 10.93% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 18.45% |
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 | 2,952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,952 | $270K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,606 | $302K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,606 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,952 | — |
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.