| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $42K | — | $42K | 9.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ M T DONAHOE & ASSOCIATES | 9755 PATUXENT WOODS DRIVE STE. 250 COLUMBIA, MD 21046 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $8K | — | $8K | 1.84% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $8K | $25K | 11.10% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND, LLC | 170 JENNIFER RD. STE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.27% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINICINNATI, OH 452632886 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $9K | — | $9K | 6.74% |
| INSURANCE SOLUTIONS GROUP, INC.3 Filed as: INSURANCE SOLUTIONS, INC. | 170 JENNIFER RD. STE 130 ANNAPOLIS, MD 21401 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 1.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST. STE 1100 KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 14.99% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND, LLC | 170 JENNIFER RD. STE 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $978 | — | $978 | 4.40% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND, LLC | 170 JENNIFER RD. STE 130 ANNAPOLIS, MD 21401 | VISION SERVICE PLAN | $195 | — | $195 | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Insurance agents and brokers; Other insurance fees and expenses Service code 22 | — | $13K |
| CIGNA HEALTH & LIFE INSURANCE CO. | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $0 |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 186 | $460K |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 381 | $131K |
| Vision | VISION SERVICE PLAN | 153 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $229K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $229K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $229K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.