| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $39K | $45K | 2.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SERVICES | — | RELIANCE STANDARD | $12K | — | $12K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SERVICES | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INS SERVICES INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $53 | $1K | 6.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SERVICES | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 26.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ INSURANCE SERVICES, INC | — | SELMAN CO | $719 | — | $719 | 10.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | — | $5 | 10.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INS SERVICES INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $53 | $3K | — |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INS SERVICES INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | — | -$16 | -$16 | — |
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 | 411 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $2.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $20K |
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 544 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 546 | $27K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD | 544 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.