| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 9.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 10.24% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENFITS & INSURANCE SERVICES | P.O. BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.96% |
| DREW SKIBITSKY3 Filed as: DREW M SKIBITSKY | 1000 FELL ST, APT 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.47% |
| MATTHEW W EVANS3 | 1344 ASHTON RD, STE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325 | — | $325 | 0.48% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $95K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 151 | $95K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 357 | $108K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 357 | $108K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 357 | $108K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 357 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.