| 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 | RELIASTAR LIFE INSURANCE COMPANY | $41K | — | $41K | 6.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 26555 EVERGREEN RD STE 1600 SOUTHFIELD, MI 48076 | RELIASTAR LIFE INSURANCE COMPANY | $39K | — | $39K | 5.95% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 32255 NORTHWESTERN HWY STE 201 FARMINGTON HILLS, MI 48334 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 24.98% |
| ELISE M POLT3 | 201 W BURNSVILLE PKWY SUITE 116 BURNSVILLE, MN 55337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 24.74% |
| LEESA J CHURCHILL3 | 7825 WASHINGTON AVENUE SOUTH BLOOMINGTON, MN 55439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 6.25% |
| NICOLE D BLAKE3 | 402 RUDY LANE BUFFALO, MN 55313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MICHIGAN INC | 26555 EVERGREEN ROAD SOUTHFIELD, MI 48076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.04% |
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 | 1,266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 169 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 893 | $118K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,395 | $662K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,395 | $662K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,395 | $774K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,395 | — |
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.