| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | BLUE CROSS OF CALIFORNIA | $30K | $3K | $33K | 4.78% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | 0.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 160 W SANTA CLARA ST, STE 450 SAN JOSE, CA 95113 | WESTERN HEALTH ADVANTAGE | $17K | — | $17K | 3.33% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | WESTERN HEALTH ADVANTAGE | $2K | — | $2K | 0.34% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT BENEFITS LLC | 9370 SKY PARK CT, STE 250 SAN DIEGO, CA 92123 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 25.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | — | $16K | 20.61% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO RD, STE 200W BOCA RATON, FL 33431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.52% |
| CREST INSURANCE GROUP LLC3 | 2321 N 4TH STREET FLAGSTAFF, AZ 86004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $176 | — | $176 | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 975 KELLY JOHNSON DR, STE 100 LAS VEGAS, NV 89119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$5 | — | -$5 | -0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $461 | $39 | $500 | 4.77% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $43 | — | $43 | 0.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $757 | $13 | $770 | 12.61% |
| CREST INSURANCE GROUP LLC3 | 5285 E WILLIAMS CIRCLE, #4500 TUCSON, AZ 85711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $158 | — | $158 | 2.59% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $402 | — | $402 | 9.96% |
| CREST INSURANCE GROUP LLC3 | 9820 WILLCW CREEK RD, STE 375 SAN DIEGO, CA 92131 | EYEMED VISION CARE | $36 | — | $36 | 0.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF NV | 975 KELLY JOHNSON DR, STE 100 LAS VEGAS, NV 89119 | EYEMED VISION CARE | $34 | — | $34 | 0.84% |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 95 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 161 | $708K |
| Vision(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $40K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 255 | $107K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 100 | $76K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 95 | $1.2M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 255 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.