| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 2255 GLADES RD STE 118E BOCA RATON, FL 33431 | HEALTH OPTIONS, INC | $14K | — | $14K | 2.38% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 2255 GLADES RD STE 118 E BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $6K | — | $6K | 1.92% |
| 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 | $2K | $5K | 11.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | PO BOX 632886 CINCINNATI, FL 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $962 | — | $962 | 10.00% |
| 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 | — | $472 | $472 | 4.91% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $159 | $159 | 1.65% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | USABLE LIFE | $712 | — | $712 | 10.05% |
| 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 | — | $500 | $500 | 11.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $434 | — | $434 | 9.99% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $71 | $71 | 1.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | — | $414 | 9.99% |
| 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 | — | $204 | $204 | 4.92% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $68 | $68 | 1.64% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 59 | $899K |
| Dental | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | 91 | $42K |
| Vision | GUARDIANLIFE INSURANCE COMPANY OF AMERICA | 91 | $42K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 117 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 17 | $10K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 59 | $899K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 117 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.