| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | 4600 SOUTH ULSTER ST SUITE 900 DENVER, CO 80237 | CURATIVE INSURANCE COMPANY | $50K | — | $50K | 5.00% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | $5K | $624 | $6K | 13.72% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 721 EMERSON ROAD STE. 400 SAINT LOUIS, MO 63141 | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 CINCINNATI, FL 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $433 | $1K | 14.14% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $716 | $716 | 6.83% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $984 | $195 | $1K | 11.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $579 | $579 | 5.88% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | $186 | $638 | 14.12% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $309 | $309 | 6.84% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 88 | $998K |
| Dental | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | 89 | $43K |
| Vision | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | 89 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15 | $10K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 88 | $998K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.