| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD S BERNSTEIN & ASSOCIAT3 | 3930 RCA BLVD STE 3008 PALM BEACH GARDENS, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 1.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | 721 EMERSON RD STE. 400 SAINT LOUIS, MO 63141 | GUARDIAN | $69K | — | $69K | 12.53% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY ST NE UNIT 1 SAINT PETERSBURG, FL 33701 | GUARDIAN | $25K | $10K | $36K | 6.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | 700 W 47TH ST STE 1100 KANSAS CITY, KS 66211 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 13.48% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 2290 LUCIEN WAY STE 205 MAITLAND, FL 32751 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 1.72% |
| RICHARD S BERNSTEIN & ASSOCIAT3 | 3930 RCA BLVD STE 3008 PALM BEACH GARDENS, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| BERNSTEIN RICHARD S3 Filed as: BERNSTEIN, RICHARD S | 1551 FORUM PL STE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Plan Administrator Service code 14 | — | $39K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $7K |
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 | 589 | 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) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 721 | $2.2M |
| Dental | GUARDIAN | 511 | $548K |
| Vision | GUARDIAN | 511 | $548K |
| Life insurance | STANDARD INSURANCE COMPANY | 589 | $345K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $75K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 594 | $698K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 511 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.