| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | COMPANION LIFE (IISI) | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $10K | $4K | $14K | 22.29% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERSON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $10K | — | $10K | 16.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUIT KANSAS CITY, MO 64112 | USABLE LIFE | $4K | $2K | $6K | 22.61% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 7.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, TN 34112 | USABLE LIFE | $4K | $2K | $6K | 22.44% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 7.64% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $3K | $893 | $4K | 22.23% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 8.20% |
| CBIZ BENEFITS & INSURANCE SERVICES | 12 CADILLAC DR, SUITE 160 BRENTWOOD, TN 37027 | TOKIO MARINE HCC | $2K | — | $2K | 10.00% |
| IMAGINE3603 Filed as: IMAGINE360 ADMINISTRATORS LLC | PO BOX 749075 DALLAS, TX 75374 | TOKIO MARINE HCC | — | $563 | $563 | 3.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $554 | $218 | $772 | 22.65% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $554 | — | $554 | 16.26% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 198 | $90K |
| Short-term disability(2 contracts) | USABLE LIFE | 198 | $46K |
| Long-term disability | USABLE LIFE | 80 | $25K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE (IISI) | 152 | $252K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCC | 156 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.