| 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 452632886 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.50% |
| ATLANTIC BENEFIT ADVISORS3 | 1717 INDIAN RIVER BLVD STE 301 VERO BEACH, FL 329600864 | PRINCIPAL LIFE INSURANCE COMPANY | $609 | $0 | $609 | 1.50% |
| ROGER R RHYMES3 | 1825 CUTLASS COVE DR VERO BEACH, FL 329602818 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $711 | $0 | $711 | 4.38% |
| ATLANTIC BENEFIT ADVISORS3 | 1717 INDIAN RIVER BLVD STE 301 VERO BEACH, FL 329600864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $538 | $0 | $538 | 3.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $374 | $0 | $374 | 2.30% |
| ROGER R RHYMES3 | 1825 CUTLASS COVE DR VERO BEACH, FL 329632818 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | $0 | $414 | 4.09% |
| ATLANTIC BENEFIT ADVISORS3 | 1717 INDIAN RIVER BLVD STE 301 VERO BEACH, FL 329600864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $341 | $0 | $341 | 3.37% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $258 | $0 | $258 | 2.55% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100 KANSAS CITY, OH 64112 | UNION SECURITY INSURANCE COMPANY | $600 | $0 | $600 | 8.25% |
| ATLANTIC BENEFIT ADVISORS3 | 1717 INDIAN RIVER BLVD STE 301 VERO BEACH, FL 32960 | UNION SECURITY INSURANCE COMPANY | $127 | $0 | $127 | 1.75% |
| ROGER R RHYMES3 | 1825 CUTLASS COVE DR VERO BEACH, FL 329632818 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $228 | $0 | $228 | 4.09% |
| ATLANTIC BENEFIT ADVISORS3 | 1717 INDIAN RIVER BLVD STE 301 VERO BEACH, FL 329600864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $187 | $0 | $187 | 3.36% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINATTI, OH 452632886 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $142 | $0 | $142 | 2.55% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 143 | $41K |
| Vision | UNION SECURITY INSURANCE COMPANY | 64 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $10K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.