| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE | 2255 GLADES RD STE 118E BOCA RATON, FL 33431 | HEALTH OPTIONS, INC | $21K | — | $21K | 4.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURE | 2255 GLADES RD STE 118E BOCA RATON, FL 33445 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 0.55% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 17.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 721 EMERSON RD STE 400 SAINT LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.26% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 3945 W. ATLANTIC AVENUE DELRAY BEACH, FL 33445 | USABLE LIFE | $2K | — | $2K | 11.78% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 63 | $796K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 125 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 125 | $120K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 194 | $134K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 125 | $120K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 125 | $120K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 63 | $796K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 194 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.