| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 SUITE 1100 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $208K | $208K | 1.73% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$13K | -$13K | -0.11% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HARTFORD LIFE AND ACCIDENT | $66K | — | $66K | 8.51% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | HARTFORD LIFE AND ACCIDENT | $66K | — | $66K | 8.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 0.93% |
| PREMIER WORKSITE SOLUTIONS, LL3 Filed as: PREMIER WORKSITE SOULUTIONS LLC | 8575 W 110TH STREET SUITE 320 OVERLAND PARKS, KS 66210 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 0.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | — | -$4K | -$4K | -0.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.80% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | UNITEDHEALTHCARE INSURANCE COMPANY | $562 | — | $562 | 0.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT & INSURANCE SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $808 | $14K | 9.64% |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $445 | $4K | 2.72% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $436 | $436 | 0.29% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | $279 | $282 | 0.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $87 | $87 | — |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | -$619 | -$1 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $87 | $87 | — |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $710 | -$710 | $0 | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $87 | $87 | — |
| JOE FERNANDEZ3 | 7500 DALLAS PARKWAY SUITE 550 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | -$2K | $0 | — |
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 | 1,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,686 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,410 | $12.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,799 | $149K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,032 | $594K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 503 | $777K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 503 | $777K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,032 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,410 | — |
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."
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.