| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $26 | $4K | 2.70% |
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BLVD STE 6A OWINGS MILLS, MD 211172817 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.30% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | GROUP BENEFIT SERVICES | — | $35K | $35K | 55.89% |
| CBIZ BENEFITS & INSURANCE SERVICES5 Filed as: CBIZ BENEFITS & INSURANCE SERVICE | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | GROUP BENEFIT SERVICES | $30K | — | $30K | 48.28% |
| ZELIS CLAIMS INTEGRITY INC5 Filed as: ZELIS | 2 CROSSROADS DR. BEDMINSTER, NJ 07921 | GROUP BENEFIT SERVICES | — | $22K | $22K | 35.22% |
| BECKER BENEFIT GROUP INC5 Filed as: BECKER BENEFIT GROUP | 11000 OWINGS MILLS BLVD, SUITE 6A OWINGS MILLS, MD 21117 | GROUP BENEFIT SERVICES | $19K | — | $19K | 30.90% |
| CATAMARAN5 | PO BOX 27275 NEW YORK, NY 10087 | GROUP BENEFIT SERVICES | $7K | $2K | $10K | 15.27% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD | $2K | $2K | $4K | 7.19% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD | $1K | $1K | $2K | 7.00% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD | $114 | $86 | $200 | 7.00% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP BENEFIT SERVICES | 182 | $63K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 313 | $203K |
| Vision(2 contracts, 2 carriers) | GROUP BENEFIT SERVICES | 212 | $74K |
| Life insurance | RELIANCE STANDARD | 194 | $53K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 194 | $56K |
| Long-term disability | RELIANCE STANDARD | 192 | $36K |
| Stop-loss / reinsurancereinsurance | GROUP BENEFIT SERVICES | 182 | $63K |
| Other | JANUS ASSOCIATES, INC DBA BHS | 209 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.