| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $133K | $43K | $176K | 21.35% |
| NATIONAL INSURANCE MARKETING BROKER3 Filed as: NATIONAL INSURANCE MARKETING | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 18.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON ROAD, SUITE 400 ST. LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $9K | $25K | 10.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | COMBINED INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 9.64% |
| MANNING JERRY3 | 220 N S GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 13.75% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 8.25% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS, ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 5.50% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | COMBINED INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 6.55% |
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 | 1,698 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 86 | $880K |
| Vision(2 contracts) | COMBINED INSURANCE COMPANY OF AMERICA | 2,038 | $139K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 2,487 | $924K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,487 | $823K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,487 | $823K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 557 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,487 | — |
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.