| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 9.72% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.00% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 8.50% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.40% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.06% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $606 | — | $606 | 2.37% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE, SUITE 300A WEST PALM BEACH, FL 33401 | FIRST UNUM LIFE INSURANCE COMPANY | $784 | — | $784 | 8.68% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 503 | $226K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $29K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $129K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 65 | $125K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $78K |
| Other(6 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 283 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.