| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD SUITE 200W BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $23K | — | $23K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD SUITE 200W BOCA ROATON, FL 33431 | BLUE CROSS BLUE SHIELD HEALTH OPTIONS | $18K | — | $18K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD SUITE 200W BOCA RATON, FL 33431 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $527 | $6K | 11.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $581 | $2K | 13.06% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 951 YAMATO ROAD, SUITE 200W BOCA RATON, FL 33431 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $148 | $3K | 18.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $791 | $333 | $1K | 14.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | P O BOX 632886 CINCINNATI, OH 32886 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 18.83% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $723 | $289 | $1K | 14.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | SUITE 200W BOCA RATON, FL 33431 | FLORIDA COMBINED LIFE | $759 | — | $759 | 10.99% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $71K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $55K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 212 | $81K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15 | $7K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $1.0M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 187 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.