| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3530 TORINGDON WAY STE 100 CHARLOTTE, NC 28277 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $50K | $9K | $59K | 3.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1050 CONNECTICUT AVE NW STE 700 WASHINGTON, DC 20036 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $27K | — | $27K | 1.67% |
| CBIZ BENEFITS & INSURANCE SERVICES5 Filed as: CBIZ M T DONAHOE & ASSOCIATES INC | 9755 PATUXENT WOODS DRIVE STE 250 COLUMBIA, MD 21046 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $8K | $8K | 0.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3530 TORINGDON WAY STE 100 CHARLOTTE, NC 28277 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $55 | $55 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | SERVICES INC 951 YAMATO RD. STE 200W BOCA RATON, FL 33431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 6.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | SERVICE INC PO BOX 632886 CINCINNATI, OH 45263 | VISION SERVICE PLAN | $706 | — | $706 | 5.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $162 | — | $162 | 1.23% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 234 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $179K |
| Vision | VISION SERVICE PLAN | 123 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $179K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $179K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $179K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 234 | $1.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.