| 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 | $2K | $287 | $2K | 11.33% |
| STEVEN R KARAS3 | 2000 COMMON WEALTH AVENUE SUITE 110 NEWTON, MA 02466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $524 | — | $524 | 12.51% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 1.17% |
| ROBERT S ZEMAN3 | 154 FLAGSTONE DRIVE APT 12 NASHAU, NH 03063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 1.17% |
| DANIEL P CLARK3 Filed as: DANIEL L CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.17% |
| ARI JOSEPH WEXLER3 Filed as: ARI J WEXLER | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.14% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 6332886 CINCINNATI, OH 45263 | HYATT LEGAL PLANS | $105 | $13 | $118 | 11.34% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 291 | $22K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 18 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.