| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | — | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.40% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ HIGHER EDUCATION BENEFIT TRUST | ATTN CBIZ KYLE CREMEANS 175 S MAIN STREET STE 720 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.73% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | — | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ HIGHER EDUCATION BENEFIT TRUST | ATTN CBIZ KYLE CREMEANS 175 S MAIN STREET STE 720 SALT LAKE CITY, UT 84111 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.22% |
| TAGCO ASSOCIATES LP3 | PO BOX 4133 BERGHEIM, TX 78004 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 10.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 7 | $32K |
| Life insurance | STANDARD INSURANCE COMPANY | 273 | $61K |
| Long-term disability | STANDARD INSURANCE COMPANY | 236 | $33K |
| Other | STANDARD INSURANCE COMPANY | 273 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.