| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 175 S. MAIN STREET SUITE 720 SALT LAKE CITY, UT 84111 | AETNA LIFE INSURANCE COMPANY | $54K | — | $54K | 5.04% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPORT PARKWAY AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 19.72% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPORT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $305 | — | $305 | 6.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 175 S. MAIN STREET SUITE 720 SALT LAKE CITY, UT 84111 | TRANSAMERICA LIFE INSURANCE COMPANY | $138 | — | $138 | 3.12% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 146 | $1.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 207 | $166K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 207 | $166K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $76K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $72K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $72K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 146 | $1.1M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 182 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.