| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | NATIONWIDE LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $5K | — | $5K | 11.76% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERSON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 11.76% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUIT KANSAS CITY, MO 64112 | USABLE LIFE | $3K | — | $3K | 11.61% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 5.42% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, TN 34112 | USABLE LIFE | $2K | — | $2K | 11.60% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 5.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 35.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $1K | — | $1K | 9.78% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $657 | — | $657 | 4.56% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 28.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 29.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $452 | $520 | $972 | 32.29% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $293 | — | $293 | 11.59% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $293 | — | $293 | 11.59% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 132 | $391K |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 207 | $96K |
| Short-term disability(4 contracts, 2 carriers) | USABLE LIFE | 207 | $42K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 84 | $28K |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 132 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.