| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC. | 700 W. 47TH ST. SUITE 1100 KANAS CITY, MO 641122050 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $80K | $80K | 4.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $8K | $18K | 16.10% |
| FREDERICK R SCHREMP3 Filed as: FREDERICK SCHREMP | 3625 CUMBERLAND BLVD. SE SUITE 800 ATLANTA, GA 303396406 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.94% |
| RICHARD S. BERNSTEIN & ASSOCIATES3 | 1551 FORUM PLACE SUITE 300-A WEST PALM BEACH, FL 33401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $664 | $340 | $1K | 5.90% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS, INC | PO BOX 632886 CINCINNATI, OH 452632886 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.63% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 175 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $110K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 216 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $17K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 177 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.