| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES, INC. | 2255 GLADES ROAD, SUITE 118E BOCA RATON, FL 33431 | HEALTH OPTIONS, INC. | $51K | $0 | $51K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES, INC. | PO BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $286 | $16K | 13.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 07719 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $440 | $440 | 0.36% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES, INC. | 2255 GLADES ROAD, SUITE 118E BOCA RATON, FL 33431 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | $0 | $4K | 4.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS. SERVICES, INC. | PO BOX 632886 CINCINNATI, OH 45263 | SOLSTICE BENEFITS, INC. | $2K | $0 | $2K | 15.00% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 82 | $1.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $136K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $122K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $122K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $122K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $122K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 5 | $78K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.