| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | HEALTH OPTIONS, INC | $9K | — | $9K | 8.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 7.87% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS INSURANCE SERVICES | 721 EMERSON RD STE 400 SAINT LOUIS, MO 63141 | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | $3K | $412 | $4K | 8.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $433 | $2K | 13.89% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $362 | $1K | 13.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 700 W 47TH ST STE 100 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | $156 | $608 | 13.44% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 67 | $156K |
| Dental | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | 104 | $43K |
| Vision | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | 104 | $43K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 16 | $10K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 67 | $156K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.