| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD, STE 118E BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD | $38K | — | $38K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD STE 118E BOCA RATON, FL 33431 | TRULI | $9K | — | $9K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2255 GLADES RD, STE 118 E BOCA RATON, FL 33431 | HEALTH OPTIONS, INC. | $7K | — | $7K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON RD STE 400 SAINT LOUIS, MA 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $13K | 10.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | USABLE LIFE | $3K | — | $3K | 13.75% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | $183 | $2K | 6.83% |
| 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 | $1K | $579 | $2K | 14.29% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $51 | $51 | 0.38% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 21.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | USABLE LIFE | $990 | — | $990 | 10.98% |
| 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 | $674 | $303 | $977 | 14.49% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28 | $28 | 0.42% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 95 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $127K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $161K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 14 | $7K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD | 95 | $1.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.