| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 1.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $87K | $4K | $90K | 42.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON RD SUITE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $8K | $17K | 9.78% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOCIATES | 1551 FORUM PLACE 300 A WEST PALM BEACH, FL 33401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $685 | $13K | 12.10% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $335 | — | $335 | 0.31% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOCIATES | 1551 FORUM PL 300 A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.36% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY | $68 | — | $68 | 0.11% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 Filed as: RICHARD S BERNSTEIN & ASSOCIATES | 1551 FORUM PLACE 300 A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $28 | $7K | 16.35% |
| ADAMS BENEFIT CORPORATION3 Filed as: ADAMS BENEFIT CORP. (BOR) | 600 CORPORATE DRIVE, SUITE 650 FORT LAUDERDALE, FL 33334 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $3K | — | $3K | 11.99% |
| 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 | $8K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $8K |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 517 | $572K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $173K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 467 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 403 | $215K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 140 | $43K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 155 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.