| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.33% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD SUITE 200W BOCA RATON, FL 33431 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.00% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 15.74% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 6650 METAIRIE, LA 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $530 | $4K | 6.85% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOCIATES,IN | 1551 FORUM PLACE STE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.87% |
| VOLUNTARY BENEFITS OF AMERICA, INC.3 | PO BOX 462 RICHMOND, VA 23218 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$3K | — | -$3K | -5.41% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP. (BOR) | 600 CORPORATE DRIVE, SUITE 650 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 12.05% |
| PAR-DI SERVICES INC3 Filed as: PAR-DI SERVICES, INC. | PO BOX 3438 401 OLD DIXIE HIGHWAY TEQUESTS, FL 33469 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $683 | $683 | 4.39% |
| ROBERT S NEALE3 Filed as: ROBERT S. NEALE | 18381 SE LAKESIDE DR JUPITER, FL 33469 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 1.03% |
| MARGARET ANNE OVERBY3 | 15505 CEDAR BLUFF PL WELLINGTON, FL 33141 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 1.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED ADMINISTRATION, INC. EIN 65-0362462 THIRD PARTY ADMINISTRATO | Claims processing; Contract Administrator Service code 12 | 6161 WASHINGTON STREET HOLLYWOOD, FL 33023 | $11K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSSA HARTFORD, CT 06156 | $6K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 INSURANCE AGENTS AND BRO | Insurance agents and brokers Service code 22 | — | $0 |
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 | 410 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 375 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 260 | $152K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 458 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 410 | $182K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 170 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.